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wage garnishment Vehicle Repossession

Discussion in 'Other Debt, Collection, Garnishment' started by Jdhmeh1974, Feb 2, 2014.

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  1. Jdhmeh1974

    Jdhmeh1974 Law Topic Starter New Member

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    In 2012, we were unable to pay for our vehicle anymore. We contacted Ford and turned it in. They sold it. Suddenly, we had bill for $1000. It was turned over and garnishment was obtained. We talked with company and they said we'd have to pay $150 a month until it was paid. We told them we'd try, but we have special needs child and I then lost my job. We made one payment and couldn't make anymore. Now, they have another garnishment. If they take the 25% out of husband's check(2400 a month bring home pay), we will lose our house and be unable to pay our basic utilities or get groceries. Our daughter is receiving IVIG treatments every 28 days and has been on homebound the entire school year. What can we do? We are in VA?
     
  2. army judge

    army judge Super Moderator

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    The time to have fought this has passed. You at least could have made an argument at the trial. Or, paying $150/month is better than paying $600/month.

    Maybe hubby or you can get other jobs to make up for the $600 you're paying to eliminate that judgment!
     
    Last edited: Feb 3, 2014
  3. mightymoose

    mightymoose Moderator

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    Yep. Hard times are ahead. But really $1000 is not that much. You can pay it off in a year if you manage finances better, and maybe work a second job for a bit to get some extra income.
     
  4. JaymeProctor12

    JaymeProctor12 Banned

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    If you are the subject of a Wage Garnishment and cannot afford basic living expenses, you may be able to reduce the amount of wage garnishment or eliminate it altogether. Possible options include filing a claim of exemption, filing for bankruptcy, or vacating the judgment. Your state laws provide you with various protections called exemptions that you may claim to reduce or totally wipe out a garnishment. These exemptions allow you to keep your income based on whether you make a certain amount of money, you provide support to a dependent, or your income falls into a special category such as social security, public assistance, or retirement benefits.
     

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