In Sept 2018 my car was repossessed with chase bank who in turn turned the account over to Alltran who is now collecting the defenciency balance.
I am worried that they will take my taxes, or garnish my wages or child support.
The balance is 6,000 I dont have that kind of money I am a single mom
THey call all the time
If the debt was legally sold to Alltran, they would have the right to sue you. Were they to sue you and obtain a judgment, they could attempt to garnish your bank account or go after non-exempt assets. They cannot garnish wages directly from your employer, but if you deposit the wages into a bank account, they would be at risk from a bank garnishment. Court ordered child support is also exempt from garnishment. Generally, these debt buyers are willing to accept substantially less than the amount they claim you owe. You may want to reach out to a consumer defense attorney to review your specific situation for any possible defenses and to advise you on your rights, risks, and options. A consumer defense attorney can also assist you with negotiating a reduced settlement.
This response is for informational purposes only, does not constitute legal advice, and does not establish an attorney-client relationship.
They can't garnish the tax refund from the IRS but if they obtain a judgment, they can garnish it once it's deposited into your bank account or ask the court to order you to turn it over to them once it's received.
My answer to this question is for general purposes only and establishes no attorney-client relationship nor is it legal advice. Legal advice should only be requested and obtained from your own legal counsel with whom you have negotiated and signed a written legal representation agreement and with whom you have had a full discussion of the specific facts and circumstances of each particular instance.
Our Rating is calculated using information the lawyer has included on their profile in addition to the information we collect from state bar associations and other organizations that license legal professionals. Attorneys who claim their profiles and provide Avvo with more information tend to have a higher rating than those who do not.What determines Avvo Rating?Experience & background
Years licensed, work experience, educationLegal community recognition
Peer endorsements, associations, awardsLegal thought leadership
Publications, speaking engagementsDiscipline