can a creditor take you to court and garnish your wages on a secured loan?

The short answer is, yes. Usually a creditor will repossess their collateral, and sell the item at auction. The item will often be sold for a much lower amount than most people expect, leaving a "deficiency balance" on the loan. The creditors usually sue to recover this balance, and after obtaining a judgment, my previous answer applies to wage garnishment. I have also seen recently certain creditors completely foregoing the repossession of their collateral (usually second or third mortgage holders) and moving directly to lawsuits for the contract balance, without making any effort to repossess.