A creditor must seek a judgment from you first and then once it receives a judgment (should it have decided to sue you for those monies), it must then seek an attachment to your assets. Assets can include money, tax refunds, bank accounts, vehicles, homes. With the non-monetary items, usually what is required is something called a lien.
Have you considered reaching a settlement agreement with the creditor before it sues you for a deficiency judgment on the car repossession? Have you tried to re-acquire the vehicle by paying all monies due and fees incurred as a result of the repossession.
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