I co-signed for a car and it got impound the car and sold it. They called me to let me know how much is still owed. If I start paying on it can they still garnish me?
Technically speak a payment on an account and the ability of the creditor to garnish an account aren'y directly related, unless an agreement for a debtor to pay on an account includes specific contractual terms that the creditor won't enforce a judgment.
For a creditor to garnish an account, however, they need to have already secured a judgment from a court. Thus, if they're receiving payments directly from the creditor, it's unclear if they've already specifically gotten a judgment (or if they even "need" to do so.)
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When you say the car got "impounded", I suspect you mean repossessed and sold. If accurate, then they owe you more than a phone call - they are obligated to send you written notice of the sale of the vehicle and details. Yes, you likely still have a balance due. IF you get them to agree in writing to a workable payment plan, and you follow it, then nothing further is likely to happen in regards to this. If they will not agree or if you are unable to follow it, then they can sue you for the amount owed. Only after suing you for the debt in court and obtaining a Judgment in their favor can they proceed to garnish your bank account or wages. They can agree to a payment plan anywhere in the process if it will work for both of you. Good luck.
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