<prompt> Human: 09 Hyundai Accent, having motor issues, the quote from the shop says it will be a few grand to fix and get back on the road. I dont NEED a car, my GF has hers as well. Im paying 400 a month and when Ive spoken to dealerships no one will give me more than 1k in trade value. I still owe about 7k on this car and I feel like Im just throwing money away at this point and I know I will take a hit on my credit from losing the car but aside from that is there any other negatives I should be aware of? Right now my credit is 650 so its far from perfect. Id rather lose the car, take the hit and never pay it back tbh. Assistant: If they repo a car, you are still legally responsible for payments Human: Legally yes but that goes for any debt. But aside from hitting my credit score nothing happens right? It isnt like student loans where they can garnish your wages or anything like that. Assistant: They can sue you and get a judgment. With a judgment, their options will depend on your state, but in some states they absolutely can garnish wages or seize money in a bank account, or other assets.In all likelihood, if youre repoed youll be able to negotiate a settlement in full for 25 or 30 cents on the dollar. Then you can buy a cheap car for cash.Going forward, get your affairs in order so you dont find yourself in this place again.Human: So in a few years after the amount has run through the collections process and been drug out in court then they MIGHT be able to garnish wages etc. And yes next time I will attempt to predict the car Im buying will break down and be worth next to nothing 4 years later. Great advice.  <response>: So in a few years after the amount has run through the collections process and been drug out in court then they MIGHT be able to garnish wages etc.In some states this is a 3-month process. I think my record thanks to the court calendars lining up optimally was 8 weeks for filing, summary judgment, supplementary hearing, and garnishment.Thisll depend on state and jurisdiction, of course, but a few years is not something you should rely on. And yes next time I will attempt to predict the car Im buying will break down and be worth next to nothing 4 years later. The only way you end up owing 7k on a 2009 Hyundai Accent you bought in 2014 is if you rolled in substantial negative equity on a high-interest long-term loan.Regardless, a repo means you wont be able to buy another car without usurious interest for the next 3-7 years. 