<prompt> Human: Situation - my brother recently separated from his wife. Before they separated, they bought a vehicle that they could barely afford. After the separation, he took the vehicle, could not make payments and voluntarily returned it to the bank. The bank sold it for 14,000 and he still owes 13,000 on it. He does not intend to pay back the 13,000. What repercussions are going to happen to him? He has defaulted on loanscredit cards before to the point that he has had civil judgements against him, and in his words, Nothing happened. However I think that with this large of an amount, something is going to happen. Will there be a wage garnishment involved?  <response>: They can sue him and get another judgment against him. Whether they can garnish depends on the state. You can ask rlegaladvice and include the state. 