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Hi Lucy, Thanks for the information. I never was given a judgement on this, can they garnish wages without a judgement. 2nd I noticed on my credit report that part of my loan was insured and the other part wasn't. The report said that the insured part was being paid for by insurance. The amount they're showing I owe is showing both the insured and the uninsured. can I negotiate because the report shows the insured is being paid by insurance or do I still owe this anyway?