by 
Anonymous
ANSWERS: 3
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no they cant garnish your wages they will tag it to your credit report
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In order to garnish you wages they will need a court order. However, 90% of debt related claims have defendants that don't show up, and a default judgment is issued. The answer to your question is yes. Too many debtors just ignore the summons and don't go to court (although, they will usually lose if they did show up to court), and then the creditor garnishes wages, drains bank accounts, etc. In fact, many people have a car repoed, and after the auction the balance is only a couple hundred dollars. However, the people ignore the debt and the creditors tack on legal fees, repo fees, skip tracing fees, and interest, and that couple hundred dollars turns into tens of thousands of dollars over the years.
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The bank can, but it rarely happens, since the vehicle has been repoed. The object of the auto loan is for you to make the payments. when a vehicle is repossessed, the bank has its collateral back and you are no longer responsible for the payments. Say goodbye to your credit rating.
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