Once a creditor obtains a judgment, a levy "technically" can be performed. However, based upon the figures you provided, it may not be a practical remedy for the creditor to pursue. When a collection attorney looks at it realistically, he/she looks at the equity in the vehicle. Based upon your figures there is only about $4,500 of equity. If you do not have a homestead that you claim, you are entitled to $5,000 in general personal property exemptions and $1,000 of equity in a vehicle. In addition, the sheriff normally will require a significant levy deposit that must be paid up front by the creditor. Because you are likely to have exemptions available to cover the equity and because the creditor would be forced to post a deposit without the guarantee of receiving any money back, it's not a reasonable remedy in my opinion. When the car is paid off the landscape may change a bit, but keep in mind that when the car is paid off down the road it will also be worth less.