Bartolini Finance Dba CNAC akasBartolini Finance Corporation aka Edward Bartolini Company has filed a Writ of Garnishment and Summons on me to my place of employment for a car that was returned and resold back in 2010. Mesa Arizona

Take the time to look up your judgment. It is public record. It should show you how much was awarded the creditor, and it may or may not show the interest that accrues daily. If it doesn't show on the judgment, take a look at your state's statutes, the maximum interest allowed for the judgment will show there. The reason I refered to the lawsuit (if any) between the Father and the son as gossip is because it has nothing to do with a debt you owe. The judgment continues to accrue interest. The longer you wait, the more you have to pay. The seven year drop off on your credit report is a totally different reporting period than the judgment in your public records. Look under your name to see what outstanding judgments the creditor is collecting on for you. Please do some independent research so you can understand how this judgment is really hurting your credit. Contact an attorney to see if you can get it negotiated to a lesser amount. Sometimes the judgment lienholder will negotiate, soemtimes they don't. Don't attempt to negotiate it on your own Once you are able to pay it off (either in full or the settled amount) make sure a Satisfaction of Judgment is filed so they can't come back in the future for more money.

 The vehicle according to there records what they have so called sent to me and my employee does not match with two different amounts for what they claim the car was sold for and what they so call say they are trying to get from me. Again something they have been doing to many customers here due to the Father I hear sueing his son and now the son is trying to make money off these so called closed accounts that are seven years old now. Junior Phoenix, Arizona

According to your complaint you gave the vehicle back to the dealer with a balance remaining on your loan. That is a voluntary reposession. The lender has to follow certain steps when you have a repo. Look up the steps in your state's statutes. 

Returning the vehicle does not pay off the loan. The lender will apply a bunch of fees for the repo (default fees and repo fees) and then sell your vehicle at auction for pennies on the dollar. If the sales price is enough to pay off the loan, you don't owe the balance. However, if it isn't enough, it is considered a deficiency and you owe the lender for the entire deficiency. If you don't pay it, the lender can get a judgment against you. That judgment lasts for 10 or 20 years depending upon your jurisdiction (look at your state's statutes). If the judgment is still unpaid, the lender can enforce payment of the judgment through garnishments or by siezing your bank account or both. All of this is normal business practice and every lender has the right to do this collection procedure. Best for you to take care of it now rather than having to deal with it for the next 10  to 20 years with continuous garnishments and account siezures. Do your own research so you can understand how these loans work before you sign for another one.