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I was in a car wreck in April of 2010. The accident was not my fault. The driver in front of me hit the car in front of him and then I came over the hill and hit the guy in front of me. My insurance company wouldn’t pay anything. They said since I was in the back that I should have stopped. Basically they said it my fault.

Anyway, the car was totalled and I could not afford to pay for something that I couldn’t drive. I told that to Capital One Auto (who I got the loan through) and they said that they would send someone to look at the car to see if it was worth repossessing. They did that and said it wasn’t worth it, but that I still needed to pay them for the rest of the loan. I told them that I couldn’t. It is now August of 2011 and nothing has happened. The car was charged off on my credit and from time to time I get letters in the mail from a collection agency saying that I need to pay. I owed over ,000 when the accident happened and the last offer to settle from the collection agency was for ,900. I would pay it if I could, but I don’t have even that kind of money.

This is getting long and I just wanted to know, if my wages were going to be garnished, would it have happened by now. It has almost been a year and a half.

Thanks a lot

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?
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.
"Moving on, yes, you are legally obligated to pay the balance left on the loan". YOU ARE ANSWERING THIS QUESTION AS IF I ASKED IT.

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.
they already places a judgment against me but it wasn’t to garnish wages. or else it would have been said in court right?

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’ve asked 3 friends today who have had cars reposessed and they ALL said NO, that the creditors will only say that to scare you…

and can’t afford to pay for credit cards or car payments after repo. i’ve no property waht so ever, but only one paid off car crown vic 97.
can they take it awayfrom me?
can they garnish my wages? if yes, after how long it takes to start garnishing?
does the debt goes away after sometime?
how badly can they harass me?

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