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I was sent a collections bill after car got repo

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  • I was sent a collections bill after car got repo

    I just got a collections letter for the balance remaining for a repo vehicle the auto finance company charged off the balance on my credit and now they sent me to collections. My question is can they garnish my wages and if so how far can they take this? What can I do to dispute this? What are my rights as well?

  • #2
    Re: I was sent a collections bill after car got repo

    They have to sue you first but then in most states can garnish--and can attempt to collect assets.

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    • #3
      Re: I was sent a collections bill after car got repo

      Thank you! So they can do this even after they charged off the balance on my credit? Do I have any rights or options?

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      • #4
        Re: I was sent a collections bill after car got repo

        You can threaten bankruptcy to cause them to negotiate. Often they will not actually sue anyway.

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        • #5
          Re: I was sent a collections bill after car got repo

          my car was repo and almost two years ago. now they want to put a lean on my home what can i do

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          • #6
            Re: I was sent a collections bill after car got repo

            They have to sue you for the deficiency first.

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