Legal Question in Credit and Debt Law in Pennsylvania

auto repossession/ wage garnishment

My husband and I had our vehicle repossessed a few months ago- our income had been affected by illness in our family and we could not keep up on the payments- we were told by a ''friend'' that it would be ok because they could not come after us for any money because the bank would repo the vehicle. Well we were notified by certified mail that they sold the vehicle and we owe $16,418.44 as a balance. An attorney's office called us today and said that they were issuing a summons for us through Mercer County Courthouse in Pennsylvania for the balance that we owe and that they were requesting our info from the IRS to proceed with wage attachments for my husband and I. Can they issue a wage garnishment for this debt and if so, how much can they garnish our wages- we both work in Ohio although we live in Pennsylvania? Do we need an attorney for this or can we appear in court and deal with the consequences ourselves? We don't deny that it seems as though we must have to pay this amount- we just didn't know at the time. Thanks


Asked on 4/10/07, 6:07 pm

2 Answers from Attorneys
Glenn Brown Real World Law, P.C.

Re: auto repossession/ wage garnishment

Yes an attorney would be helpful. You may also have to deal with Ohio law as to garnishment of pay checks.

Someone that knows needs to negotiate for you and advise you. Find a local attorney.

Good luck.

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Answered on 4/10/07, 6:21 pm
John Gibson John W. Gibson, Esquire

Re: auto repossession/ wage garnishment

You should definitely retain an attorney. Before executing on a judgment they first have to obtain a judgment. With the deficiency after a sale being that high, there are some serious questions about whether they sold it for fair market value. Do not ignore the summons and be sure to file an answer.

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Answered on 4/14/07, 11:45 am


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