Legal Question in Credit and Debt Law in Missouri

Under the facts you described, you are only liable for the differnece betweemn the price it sold for and the amoutn you owed (plus costs to repossess and sell). Since your wages are being garnished, it appears that the lender has obtained a civil judgmetn againt you. Based upon your written loan agreement, you may also be liabel for th ecosts of that suit plus reasonable attorney fees. You should look at that judgment to see what they wre awarded. Many people are surpised by how much interest, costs and fees can add up to.

Good luck