My car was repossessed at the beginning of this year. I tried making a payment arrangement with the creditor, but failed to follow through with the payments because I had to take a medical leave of absence. Now, I received a letter from the bank's attorney. They want to sue, I called them and they want me to pay in full, $3500. I don't have this money in full. What happens from here if I don't have the money? If sued, will they go after my taxes or have my wages garnished?