Consider the following...

Think about this carefully. As you have read, Byrider WILL sue you and garnish your wages. You can be sure of that. If your credit was/is bad enough to warrant buying from Byrider, AND you are going to have a lawsuit and an unpaid garnishment on your credit report anyway, why not simply consider Chapter 7? It is cheaper now than it used to be and you can do it yourself if you have a little knowledge (such as a book from your nearest Barnes and Noble). I did it for FREE and so can you! DO NOT be scared about Byrider calling your employer and giving them a garnishment. Simply file your BK, tell Byrider AND THE REST OF YOUR BAD DEBTS to kiss your ass and try your best to pay things on time in the future. I have worked for companies that will finance you the day your Ch. 7 is discharged! DO NOT BELIEVE ANYONE ELSE ABOUT THIS. Your credit is already screwed. Why not start over fresh with Byrider a distant memory?