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I didn’t pay the difference. bc no1. you already took the car. so now i have no transportation. no2. you already ruined my credit by putting repossession on there so now the chances of me ever being again to get another car are virtually impossible. and now bc you sold the car less than what it’s actually worth, you expect me to make up the difference? why would i pay for a car i no longer have? if i couldn’t afford the payment when i had the car, what is the incentive of trying to make a payment on a car i no longer have? so they decided they were going to teach me a lesson and take me to court. so now on top of the repossession, i have a JUDGMENT. well, i signed up with truecredit.com and was able to view all 2 credit reports & credit scores. I disputed all 3 judgments and they were all removed. QUESTIONS: if they notice, can they put it back on? What are the chances of them noticing? MOST IMPORTANTLY!!!!!!!!!! , if i never pay, can they garnish my wages or take my tax refund? Please don’t GUESS. please really know what you are talking about! Typically with repossession judgments, how far can they go to get the money?
i know that there are 3 credit reporting agencies. that was a typo. if you notice after that, i said i said i disputed all 3 judgments!
equifax, experian and transunion, yes, i know this. this is one of the 1st things you learn about credit.
src50, they already placed a judgment , didn’t you read what i typed? we are past that. how long after the judgment will they garnish my wages bc its been over a year.
I THINK EVERYONE IS MISSING THE POINT OF THE QUESTION. I’m not asking if you think it’s politically correct for me to pay the money back. I’ve already made up my mind about that. I know i’m responsible for the difference. I want to know about the tax refund and the garnishment of the wages. I understand the logistics behind everything. i know that this is protocol for them. I understand all that. none of that matters to me. i just want to make sure my tax refund and my wages are protected from this foolishness. and i did get all judgments removed and i think i got 1 or 2 of the repo’s removed as well. ALL YOU HAVE TO DO IS DISPUTE and the credit agencies will send out a letter asking the company to verify the account if they don’t respond in 30 days , legally it has to be removed.
NOT THAT I SHOULD BE EXPLAINING THIS TO ANY OF YOU BUT I LOST MY JOB AND MY PAYMENTS FOR ALMOST 0 ON A FORD FOCUS BC IT WAS THE FIRST TIME I EVER FINANCED A VEHICLE AND SO I HAD A HIGH INTEREST RATE. SO THAT’S WHY IT WAS REPOED. I COULD AFFORD THE PAYMENT AT THE TIME I SIGNED THE DOTTED LINE.
WILL I BE WARNED BEFORE THEY GARNISH AND TAKE MY TAXES SO THAT I CAN HAVE TIME TO INTERVENE?

I purchased a car for a friend and do to some unforeseen occurrences she could no longer make payments on the car. I informed her to turn the car in and she did as I myself was not able to make the payments for her. After this time I received a notice from the creditor that the car was in there possession and that it may be sold in a private or public auction or sale. I then received a notice from the credit reporting agency equifax that a suit or judgment has been added to my credit report; when i checked it out it was from the credit union that financed the car the friend had voluntarily turned. So what I would like to know at this point is: 1. what does a suit or judgment mean on my credit report, especially for a account that was given a status of a charge off? 2.How do I find out if in fact I am being sued and what I can do? 3. Can I be placed in jail if i cannot pay or can they take my car that i purchased from another dealership and am currently paying for?
I live in Texas, there is no judgment made on the case yet becuause i haven’t been served no – notice in the mail or in person. Hope this will help make things easier to answer the question.