So, you’re cruising around in your new set of wheels, but you’re starting to realize that making those monthly car payments is more complex than you anticipated. But before you start ignoring those bills, Buy Here Pay Here wants to discuss one crucial possibility: can a buy-here-pay-here dealership garnish your wages?

Short answer: it depends on the state you live in and the court’s decision.

When you default on a loan, the lender (in this case, the buy here pay here dealership) can take legal action against you. One potential outcome of this legal action is wage garnishment. This means the lender can get a court order to deduct a certain amount from your monthly paycheck until the debt is paid off.

However, the laws regarding wage garnishment vary from state to state. For example, some states have strict rules protecting a portion of your wages from garnishment, while others have no protections. Additionally, some states only allow wage garnishment for certain types of debt, such as child support or taxes.

Even if a court grants a wage garnishment order, the lender must also provide you notice, and you are allowed to raise objections. Also, federal law limits the amount that can be garnished from your wages, which varies depending on the type of debt.

But before you start panicking, remember that wage garnishment is a last resort for most buy-here pay-here dealerships. They would much rather work out a solution with you before resorting to wage garnishment. So, if you need help making your payments, feel free to contact the dealership and try to find a solution.

If you’re having trouble making your payments, reach out to the dealership and try to find a solution before things escalate. And most importantly, always read the fine print and ensure you understand the contract terms before signing on the dotted line.”