Houston Court Issues Default Judgment for $11,399 in Auto Loan Debt
A credit union sued a borrower for defaulting on a car loan. The borrower failed to make payments, and the credit union repossessed and sold the vehicle. A deficiency balance remained, and the borrower did not cure the default. The court granted a default judgment in favor of the credit union for the remaining balance, attorney's fees, and court costs.
Case Information Updated: October 2025
Case Outcome
- Outcome
- Verdict-Defense
- Amount
- $9,827
- County
- Harris County, TX
- Resolved
- 2021
Injury & Accident Details
- Injury Type
- Other
- Accident Type
- Other
- Case Type
- Motor Vehicle Accident
Case Overview
A federal credit union based in Houston, Texas, filed a lawsuit against an individual residing in Spring, Texas, over a defaulted auto loan. The defendant had signed a loan agreement in June 2018 for $40,410.26, securing a 2014 Maserati Ghibli S. The plaintiff alleged the defendant failed to make payments, leading to the acceleration of the loan's maturity, repossession, and sale of the vehicle for $600. This resulted in a deficiency balance of $9,827.89. The plaintiff sought a money judgment for this amount, along with pre-judgment and post-judgment interest, attorney's fees, and court costs.
The court issued a Writ of Sequestration for the vehicle in December 2019. The plaintiff subsequently nonsuited claims against the Texas Department of Motor Vehicles and another entity. Following a temporary dismissal for want of prosecution, the case was reinstated. Because the defendant failed to appear or answer the lawsuit, the court granted a default judgment in favor of the plaintiff on October 1, 2020. The judgment awarded the plaintiff the $9,827.89 deficiency balance with interest, attorney's fees of $1,000, and court costs of $571, with applicable interest rates. Conditional attorney's fees for potential appeals were also included in the judgment.
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