Due to relocation for employment purposes I was recently forced to surrender my mobile home back to the lender. I am now told that once they sell it I will be billed for any deficieny and that they have the right to garnish my wages. How can I protect myself not to mention my previously perfect credit rating?
After a repo, the only way they can legally garnish your wages is by filing a lawsuit and winning.
If they try to garnish without a judgment, sue them.
And, alot of what they can do after winning a judgment, as far as being paid, depends on the state statutes.
That is, if you did not sign your rights away when you surrendered the mobile home.