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How much is the car worth vs. what you owe?
Ok, then there is no equity in the car so they couldn't come after it. So while they could try to garnish your part time job, that is likely not worth their time to do so,
So you are essentially judgment proof meaning that they could sue and get a judgment, but you don't really have any assets that they could come after for payment. They may be hesitant to spend thousands on an attorney to sue you for a judgment that they can't collect on .
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