[stanley]

Hopeful,

You can avail the service offered by this site. I think no such qualifying criterion is there. Once you register here, you will be offered free counseling with professionals from one of the best consolidation companies.

The counselor will work out a suitable payment plan for you and will negotiate with your creditors to get the plan approved. You can go through the benefits of debt consolidation here-

http://www.debtconsolidationcare.com/benefits.html

[stanley]

Originally Posted by JJ

stanley, how can the it be difficult to discharge PDL's in states wheer they are illegal?

Once JJ asked that question, I started some research with this. What I've found is that payday loans can be discharged in bankruptcy. Chapter 13 bankruptcy gives a protection against all the debts incurred before filing bankruptcy, hence PDLs are covered.

JJ, if payday loans are already banned in my state; will I place it under bankruptcy or will seek some other way to get rid of it? Am I still obliged to pay it back if it is illegal according to my state laws?

[jj]

Payday loans can be discharged under both Chapter 7 and 13. I would think that push come to shove you probably would not have to ultimately payback an illegal loan, but I would take alot more work to fight it legally. If someone was filing bankruptcy anyway, I would think you might as well include the payday loan

[jj]

the key to payday loans and some other debt regarding dischareability is that they cannot have been incurred within 60 days of filing. the bankruptcy attorney can advise on whether or not to include the debt.

[jj]

more info, the cash advance referes to credit card cash advances.. see this link for more info

moranlaw.net/7discharge.htm

[sploesch1972]

The way I understand it, wage garnishments/attachments are not allowed in PA unless it is for Child Support, Alimony or Palimony or Defaulted Student Loans. Otherwise, it is illegal for a PDL attempt to or even go so far as send your employer info garnish your wages in PA

[finsfan13]

No, court ordered garnishments are not legal in PA. But..Wage assignments are. They are voluntary, and can always be revoked.

I posted twice yesterday to this topic and now I'm having trouble finding it. Can someone please tell me what happened and whether my post was moved to a new topic location?

Thanks!

[cajunbulldog]

honeybunch I moved your topic to our new pdl forum so you could get advice specific to your needs.

[cajunbulldog]

honeybunch here is a link to your post location.

http://www.debtconsolidationcare.com...rnia-laws.html

Thank you both!!

Yo,

My name is Lee and ive just registered on this forum so i thought id say hi !

Thanks

Lee

my husband is being garnished at 25% plus has a wage assignmnt for 75.00 a week and his disposable earnings are 641.43 a week roughly..after all this he brings home 321.00 a week we cant make house pymnt or buy food and i cant find a job..can they do both like that

[anc526]

I was under the impression that wage assignment/garnishment by anyone other than the government or child support was a no-no in Pennsylvania. Maybe I'm wrong and its just wage garnishment that's not allowed, but I'd look into it.

[mobile0311]

No you are 100% correct anc526.

I've been watching for a while but now i'm making my first post.
is there just a lot of spam here or is there some useful info shared?
Looking to meet new people to exchange info with,so leave me your name
Later,