[sissydoo]

Help! I would like to know how to respond to a civil summons for a repossessed car. The summons says it is an arbitration case and no court date and time are listed. This summons is is the state of NC. Also, can they garnish wages in NC for the amount remaining after the car was sold at auction?

[glockguy]

NC is a no wage garnishment state, they can sue and get a judgement and put a lien on any real property you have, do show up for the arbitration, if you don't, they win by default, //.....good luck, I'm going through this right now also and I am in NC

[mtenney]

My car loan company is in Utah and said they would garnish my husbands wages at 800.00 a month if our car got repossessed. So NC is not a wage garnishment state?

[M'sta Mikey]

Where did the loan agreement originate; Utah or NC? The state in which the contract was initiated (signed) holds jurisdication. If you bought the vehicle and signed the loan agreement in Utah, then they hold jurisdication.

If you're being summoned to a court in NC, I would assume that NC law trumps. If NC is a non-wage garnishment state, they cannot take your income. As the previous poster stated, they can place liens on your real property (home, vehicles, property, etc). Should that be the case, you will not be able to sell, transfer, or use a collateral, any of those properties until the claim is settled.