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Here are some strategies for protecting your income and property when a car lender tries to collect a deficiency judgment against you. If a car lender sues you for a deficiency after repossessing your car, you might have some defenses to the lawsuit.Items 1-6 below must be completed (see instructions on page 2). 1. Check one box below for the case type that best describes this case: Auto Tort. Contract. Check one box below for the case type that best describes this case: Auto Tort. You must fill out this form completely and sign it before filing it. Filing an answer prevents the plaintiff from getting a default judgment against you. You will need to follow the instructions and respond in writing, or you may have a judgment entered against you without a trial. It explains the proposed increase or decrease in your tax. Get answers to frequently asked auto loan questions.