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I owe a collection agency for about $ 7500 in medical bills and they are threatening to take me to court . If they do take me to court and win a judgment , can they take my car ? I am not employed ( so they cant garnish my wages ) and don't own any property . I do have a bank account but with only a couple hundred dollars in it . In trying to set up a monthly payment plan with them or get a very low settlement offer that i can afford . But if none of my efforts for that is successful and they decide to sue me and they win , would they want to take my car , since i really don't have any other property or wages that they can take ? I have a 2003 Chevy that has a blue book trade - in value of about $ 3000 . And the car does need some repairs . Would it be even worth it for them to try to take it ?Or would it be more trouble than its worth to them to take it, with all the fees included in having someone get the car, storage, and whatever exemptions Pennsylvania has for cars in this situation? And i already know i should probly consider filing for bankruptcy but im tryin to avoid that at all cost, since this is the only bill im having trouble paying and i do have credit cards that i dont want to lose in bankruptcy.
Bankruptcy Chapter 7 bankruptcy Debt Debt collection and debt settlement Wage garnishment Nondischargeable debt and student loans Debt discharge Bankruptcy and debt Employment Unemployment compensation Employee wages and garnishment Social security Lawsuits and disputes State, local, and municipal law Sued for debt