if im sued can the debt collectors take my car thats in my mothers and my name

by Tiffany
(west salem wi )

I have a car that i make payments on but my mother and i are both on the loan and title because i did not have the credit to buy the car. if i am sued for the 6000 that i owe gunderson medical bills can they take my car?

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Apr 19, 2012
if im sued can the debt collectors take my car thats in my mothers and my name
by: Debtcollectionanswers.com

If you are sued for your medical debt, the medical provider must win the lawsuit against you before it can try to collect the $6,000 and it does to collect on the court judgment against you, it must ask the court for permission to garnish your wages, take an asset/s that you own, put a lien on one or more of your assets or take money from your bank account. Because there is an outstanding loan on your car, the auto lender has a lien on the vehicle and so the medical provider cannot take it. It could however put a second lien on the vehicle. Most likely however, it will ask the court to take part of your wages each pay period until your debt has been paid off, go after other assets you may own, etc.

If the medical provider is unwilling to let you pay your debt via an installment plan or settle the debt -- pay it in full for less than the outstanding balance -- and you want to avoid being sued, you may want to consider filing for bankruptcy. (You can also file for bankruptcy after you've been sued and the bankruptcy will halt the lawsuit.) Never try to file your own bankruptcy however -- it's a complicated process and not one that "amateurs" should undertake. You can schedule a free initial evaluation with a bankruptcy attorney to find out about how bankruptcy works and if it's right for you. You may also want to read this article how to file for bankruptcy.

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