Legal Question in Credit and Debt Law in Maryland

Wage Garnishment

I signed for a vechicle in 1999 and was only able to obtain the vechicle by having my then fiance' co-sign so we could have a car. The intial payments had both our names on it and we equally paid all bills including the vehicle. The vechicle was purchased through Toyota and finaced by them as well. Now after the vechicle was repossed within a 6 month period with only 3 car payments made. I had Toyota come collect their property and fully explained how she lost her job and I also lost mine and found work part time and could not afford the car. After a period of time Toyota turned the account over to a Law Firm who represents themselves on behalf of Toyota and also claims to be a Collection Agency but Toyota does not have my account any longer, which means the Law Firm bought the debt. The firm now is garnishing my wages, I'm not sure if the same is happening to my ex-fiance.


Asked on 9/05/07, 7:26 pm

1 Answer from Attorneys
Kim Parker Law Offices of Kim Parker P.A.

Re: Wage Garnishment

The creditor must first obtain a judgment before a garnishment could be put into effect. If they obtained judgment against both of you then the answer is yes. Have considered all your options?

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Answered on 9/08/07, 9:02 am


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