Recently I had my car reposessed by the bank. they sold the car and now I owe a total of $15,000. The bank had emailed me with an agreement that I could pay half of the loan and be clear of all other debt. (loan with an ex) I want to email them with and agreement that I can pay $3500 in cash, and the rest in a loan over the next year. Which they said could be worked out. Can they at any time come and garnish my wages after this agreement.