Bartolini finance CNAC/J/D BYRIDER THIS COMPANY FILED A LAWSUIT AND GARNISHED MY WAGES AFTER I VOLUNTARILY GAVE MY VEHICLE BACK TO THEM AFTER A COUPLE MONTHS OF HAVING IT  MESA Arizona

I am a consumer and not affliated with the lender you are writing about, but I do know how judgements work.

When you turned in the vehicle that is a voluntary repo and it is handled the same way as an involentary repossession. The vehicle is auctioned off for pennies on the dollar and you owe the balance of the loan.  Turning in the vehicle does not extinguish the loan at all. 

Most lenders will get a judgement against you for the balance of the loan + the fees. This judgment continues to accrue interest at the statutory rate. Check your state's statutes for the statutory rate and the allowed term and renewal terms for the judgment. 

Once the judgment is issued and you haven't paid, the judgment lienholder has a variety of methods to collect the funds including garnishment.  These judgments last a very long time, 10 years in some jurisdictions and 20 years in others + the ability to renew until paid.  Each state is different so check your state statutes so you have accurate information for the duration of the judgement. 

One more thing, even if the judgement is not on your credit report, it is still in the public records and remains active until paid or until it is no longer renewed. So pull up your public records so you can see the judgment(s) recorded against you.