If i get sued by a debt collector and they win the judgment , would my vehicle be protected from them taking it from me if the value of the vehicle falls below the exemption amounts that are allowed for PA residents ? To my understanding , in PA , you can use either PA or Federal Bankruptcy exemptions which also apply to civil judgments to protect property from creditors as well . The Federal vehicle exemption of $ 3450 plus the use of the " wild card " exemption of $ 1150 for personal property appear to protect vehicles in PA up to the total amount of $ 4600 . So if my vehicles blue book value is $ 4000 , does that mean a judgment creditor could NOT attempt to take my vehicle because then won a civil suit against me and I wouldn't have to file for bankruptcy to keep my vehicle ?And yes, i own the vehicle out right. Im not making vehicle payments on any loans on it.