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Law Educator, Esq.
Law Educator, Esq., Lawyer
Category: Consumer Protection Law
Satisfied Customers: 117368
Experience:  Attorney experienced in commercial litigation.
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if your car is repoed after auction can they garnish your wages

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if your car is repoed after auction can they garnish your wages to pay the difference
Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.

In GA when a car is repossessed, it is sold at auction and the lender can seek to sue you for the deficiency judgment, which is the difference between what it sold for and the loan balance. You can dispute the amount by proving the lender did not sell the vehicle at or near the book value of the vehicle and undersold the car, since they are responsible to mitigate losses by selling reasonably close to the book value of the car. If they did sell at book value, then I am afraid they can pursue you for the deficiency amount due. If they sold under book value, you can take them to court and the court will generally reduce the deficiency amount by the difference they sold the car below the book value, but I am afraid you would still be liable for the deficiency judgment amounts.

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Customer: replied 3 years ago.

But can they garnish my wages for this amount

Thank you for your follow up reply.

Yes, I am afraid they can garnish up to 25% of your wages after your normal wage deductions in GA.
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