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    bakori's Avatar
    bakori Posts: 1, Reputation: 1
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    #1

    Jul 13, 2009, 11:59 AM
    Can my car loan lender garnish my bank account/wages in Texas?
    Can my car loan lender garnish my bank account/wages in Texas?
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #2

    Jul 13, 2009, 12:13 PM

    No, wages cannot be garnished Texas.

    Are you dealing with a bank or finance company?
    s_cianci's Avatar
    s_cianci Posts: 5,472, Reputation: 760
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    #3

    Jul 13, 2009, 12:14 PM
    If they obtain a judgment against you, then it's a possibility.
    JudyKayTee's Avatar
    JudyKayTee Posts: 46,503, Reputation: 4600
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    #4

    Jul 13, 2009, 12:20 PM
    Quote Originally Posted by s_cianci View Post
    If they obtain a judgment against you, then it's a possibility.

    Please cite your source. You continue to give incorrect advice and do not back it up with a source. Garnishment is not allowed in Texas - as I said.

    Please post the info you have concerning the possibility of garnishment/lien over an upaid auto loan.

    Here is the Law as I read it concerning the family home. Incidentally, if there is ONE family home it is automatically exempt:

    "Some collectors will threaten to take your home or wages to pay for a debt. In Texas, if your residence has been declared a homestead, it cannot be taken to pay a debt except for debts taken for the purchase of the home (ie, a mortgage in default), for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished only to pay debts related to court-ordered child support, back taxes, and defaulted student loans. Debt collectors cannot garnish wages for repayment of consumer debt.

    You can read about declaring your home as your homestead, for which you will receive certain tax exemptions as well as protection against debt collectors here: Comptroller of Public Accounts (tax exemption FAQs)."

    Texas Attorney General
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