paying back reposession debt
I had a car repossessed in 1996. I bought it for around $9,000 and it was still in top condition when repossessed. The Law Firm Hosto $ Buchan, PLLC, has begun garnishing my check for the amount they say I owe which is now around $13,000. I was told by a CPA that they can only garnish my check for the difference of what I owed and what the car was later sold for. The car was sold at auction, according the the law firm. They won’t give me any help and said there is nothing I can do about it. What are my options? How can I get the legal documentation showing the amount I owed the company at the time of reposession and the bill of sale for when they sold the car at auction? I told the firm I am at a point in my life where I want to pay off my debts but I only want to pay for what I truly owe. I thought about filing a chapter 7 in order to cancel the garnishment but I feel the attorney fees for that would cost just as much as what I actually owe on the debt. I have already paid around $1,300 through the garnishment. I can’t even work overtime because they just get more money.