Q: I bought a car several years ago it was repossessed in 2012 now they are sueing me what can I do
I took a nasty fall messed up my knee was off work tried to go back to work couldn't they came got car wasn't told what car sold for just what I still owed now they are taking me to court for the balance I'm not sure the balance is even right I hate to file bankruptcy but I can't pay this as I'm now on disibility and my husband isn't working so what little I get monthly is all I have to live on to pay my light,water,groceries,gas,doctor and medicine bills have very little left
A: You could get an attorney to defend the claims against you. There are certain notice requirements for repossessions and you may have other options to defend the case. If you end up with a judgment, you could potentially be garnished (although it sounds like you have no garnishable income). Bankruptcy is also an option but may not be worth ruining your credit depending on the amount. You could also choose to settle the claim and negotiate with the creditor. Consult counsel either way.
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