Gateway financial services Tryin to garnish my wages Saginaw Michigan

I got a car from right way in Mount pleasant MI got it finance through gateway financial. At the time I thought I was getting a good deal only to have plpd instead of full coverage, well after I got it and had it for a week I decided to check around to see what the price was for my vehicle. Found out for the year of my car it was only worth 4500 and I had to get a loan for 10000.

On top of that the car was starting to not want to start because of the security system in it. Well I decided to do a volunteer repo cause the monthly was outrageous now that I stopped making payments because I was ripped off now they are taking me into garnishment but I haven't been served papers yet all they have done is sent me a letter. I thought they had to have a court appointed person come out and serve me before garnishment.