The bank repossessed the car and now the bank is saying that they will garnish my wages to get their money. I bought my car with a warranty and after it caught fire the insurance company refused to pay. I cannot afford to pay for the remaining amounts owed.
Wage Garnishment for South Carolina Residents is not proper for this kind of debt. I hope your employer is not a corporation located outside South Carolina as sometimes the employer will not understand that your wages are not subject to garnishment.
You need to talk to an attorney who can go after the lender. The threat to collect a debt by a wage garnishment is a violation of the South Carolina Fair Debt Collection Act. Taking the offensive and possibly even suing the lender may keep you from having a problem with an attempted wage garnishment. The lender may even be willing to forego any attempt to collect the debt as part of a settlement.