How do I contest salary garnishment?

A voluntary repossession does not remove your liability on the monies owed the creditor. They have a right to collect the amount you owe that the sale of the car at auction did not cover. There are protections that the state of florida provides against garnishment, and it would be best to speak with an attorney who could outline your options and either stop the garnishment or negotiate a favorable resolution for the debt you owe.

If you live in Arizona then the creditor has a right to be paid the full amount of their debt. You can either pay or they can sue. If they sue and get a judgment then they can garnish your wages, bank accounts and any other non-exempt assets.

The answer depends on if you owe any balance following the sale of the car after the voluntary repossession. If you owe no balance, then they cannot garnish your wages. To do so they would need to get a court order that you can defend against. If you do owe a balance then your options are limited. You can try to reduce or eliminate the garnishment if you have very low income or you can file bankruptcy to stop the garnishment. Call to discuss your situation and the best option for you.