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Can they garnish your wages for a repoed vehicle in TX?

We took a lien out on a paid off truck like 3 years ago. It was a $5000 loan and we still owed around $4700 last time we called. We needed a car because it wasn't safe to have our baby in the front of the truck. So we let the truck be repoed bc we couldn't even trade it in. My husband works in TX but the lien was taken out in OK.


Asked by Anonymous at 11:12 AM on Oct. 28, 2008 in Money & Work

This question is closed.
Answers (3)
  • Going to court to get judgment/lien against you is a costly procedure. Once they repo'ed the vehicle they should have taken it to auction and sold it, so you should see your balance come down. If the loan was for 5k and they recovered 1k for selling it, then you would owe 4k. Usually a smaller balance like that would not be *worth* pursuing in court. They go after balances 11k+, certainly the higher the more likely. ** Texas is NOT a wage garnishment state. So no, they cannot garnish your wages. Keep in mind though, some companies get around this based on where the HQ of your company is located.

    Answer by Serafyna at 11:58 AM on Oct. 28, 2008

  • Except for money owed to the Federal Government or if you signed a contract that speciifically includes a garnishment clause... before someone can garnish your wages they must got to court and get a judgement against you. They MUST notify you of the court date as well. If they do that..then yes, they can garnish your wages.

    Answer by GrnEyedGrandma at 11:18 AM on Oct. 28, 2008

  • Serafyna

    Answer by Serafyna at 11:59 AM on Oct. 28, 2008