Legal Question in Credit and Debt Law in Utah

Re: reposession judgement

You would have had to have been served papers naming you as a defendant before the judgment. If you failed to show up at court, default judgment would have been granted to the plaintiff. Once judgment is granted, then your wages and bank accounts can be garnished. There are rules about garnishment which limit the amount of money that can be taken. You will get notice of garnishment. Do not ignore the notices, but read them carefully and get help if needed to understand your rights. You will have to pay the debt, or take out bankruptcy.

Re: reposession judgement

a wage assignment cannot be executed against you absent a valid judgment against you allowing such a remedy thereafter. if you are unsure about the status of the court proceedings against you, you may want to contact the courthouse that had jurisdiction over your case and find out where things stand. if in fact, there is a judgment against you, a wage garnishment may be a viable collection remedy, however, there are ways around this as well. for the $8K+ debt you owe, it hardly seems to be enough to even consider bankruptcy, especially since debt negotiations on this amount would be a FAR better alternative in taking care of this matter without the long lasting stigma and consequences of either a chapter 7 or 13 bankruptcy. if you would like further assistance in resolving this matter effectively and efficiently, hopefully with wage garnishments or bankruptcy options, contact us directly. hope this helps.