Any creditor has to have a court judgment to garnish or attach property, but fortunately, pensions are exempt from creditor claims & cannot be taken as a general rule.
The one exception is when protected money is comingled, or mixed, with money from any other source. So if you direct deposit your pension into your checking account, never deposit money from any other source into that account or it could lose its protection.
Hope this perspective helps!
No - pensions are exempt.
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You should also consider bankruptcy since it seems you are in financial distress. If you are not under financial distress, try to sell or refinance the car assuming that you don't owe more than the car is worth. Good luck.
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