I am on SSD since 2006 and when applying for SSD had to stop working and asked my auto loan company to come pick up my car in 2005. I also tried to make payment arrangements of $50.00 per month, but that was not acceptable.

Yesterday, I went to court & the judge awarded the auto company the judgement against me even though I told the judge I am on SSD. I even had all my paperwork w/me and was told they do not need to see it, just that I will have a judgement on my credit report; however, since they cannot garnish my SSD.

My question is: If a person has to stop working to apply for SSD and thereby turns their vehicle in (voluntary reposession) can the State of Texas still place a judgement on the disabled persons credit report?

Thanks!!