[brownsugar]

What does payroll want you to have cash transfer centers fax, the loan agreement or what? Like you said, the wage assignment is voluntary and it can be revoked at anytime. I was even told that an e-signature or digital signature(whatever it is called) has to be done in front of a witness or it is no good.

[WHEREAMI?]

Contact her supervisor, everybody has one.

[Cow & Chicken]

Also, send a letter revoking the wage assignment, to Cash Transfer Centers as well as your payroll department.

[sammi613]

Well, on top of the letter saids Wages Assignment, and the rest of it was like your employee has borrow a loan from us and the loan now is in default state and the rest of it is agree to the wage assignment and of couse had my DIGITAL Signature and a sign witness's signature that i couldn't even read. The person that i was talk to wasn't in the payroll department, she was in auditor-controller department and she suppose to be the one in charge of everything. She was telling me like this ( If i were you, i got a good job,i shouldn't borrowed any money from any one or even online), unreal. She wouldn't even let me talk or explaining to her about my situation. She saids as long as it has my signature on the letter that CTC send it to payroll, she will honor it unless her supervisor or manager told her not to, and it will take effects on my next paycheck which is on the 17th of this month.

[sammi613]

Oh, not to mention that she saids i did borrow money from CTC so it's my responsibilitity to pay them back. BrownSugar, to answer your question about the fax. Carolyn(Auditor-Controller), she wanted me to contact CTC and have them signed and fax the letter to my payroll department that i either paid CTC off and that they will longer doing wages assignment. That's what Carolyn wants. Does this make any sense??? This is Sheriff Deparment people, i don't see my payroll department follow any laws and orders here.

[finsfan13]

Sammi, I can help you with this..pm me.

[Swoozyqz30]

are wage assignments voluntary or can the company do what they want? I am kind of confused on this issue/

[brownsugar]

Wage assignments are voluntary and they can be revoked at anytime

[Swoozyqz30]

What happens when a company is going to do a wage assignment when you have no idea who they are and you now that they are not licensed in your state?

[brownsugar]

Give your payroll department a revocation letter stating that you are revoking your voluntary wage assignment against any company that might try to attempt one. Just make sure that your payroll department knows the revocation letter is for any company That's what I had to do

[brownsugar]

Swoozyqz30---

Here is a copy of mine, but you will have to word it differently because mine is in regards to Ohio laws and I don't know what state you are in.

To whom it may concern:

I am formally revoking any and all assignments of wages that I may have executed in the past in the course of obtaining credit from your company. As you may be aware, wage assignments are illegal in Ohio, pursuant to ORC Ann. 1321.32, except in very narrow circumstances which are not present here. Even if such an exception existed, the assignment must be revocable to be binding and I am formally revoking this assignment accordingly.

As my wages are paid in Ohio, your ability to enforce such an agreement is subject to Ohio law regardless of any choice-of-law clause in my loan agreement and regardless of conflicts-of-law principles. My employer is not a party to our transaction and cannot honor such an assignment without violating Ohio law. Any attempt by your company to contact my employer, or any other third party, will be treated as a violation of the Right to Financial Privacy Act (12 USC § 3401 et seq.), the Graham-Leach-Bliley Act (15 U.S.C. § 6801 et seq.) and other applicable state and federal laws, including those relating to criminal harassment.

[sammi613]

Thanks brownsugar. I'm in the state of california.

[finsfan13]

federally, wage assignments can be revoked since 1986. The most imporatnt part of this is the letter of defense which needs to be sent to payroll.

I work in HR, and I'm seeing more and more of these come through. They are junk, and usually follow improper protocol. They are sneaky, and I hate them, as they are time-consuming and require more paperwork then a garnishment (sorry for the rant). Anyone who needs help with a letter of defense feel free to pm me.

[chagrin]

aren't wage assignments illegal anyway? Someone sent me a message saying that the feds made them illegal

[finsfan13]

NO!!! They are NOT illegal.

There are such things as court appointed wage assignments, and anyway, a lot of sub-prime companies use them..and correctly follow protocol..as means to collect. Wage assignments are perfectly legal, everywhere in the US. They are just VOLUNTARY, unless court appointed, and that is not the same as a garnishment.

[Not so Lucky]

Fins, here is something I found on paydayloan.org

Stop lenders from taking money directly from your paycheck. Read your contract to see if you signed a voluntary wage assignment clause. If so, write a letter to the lender to revoke that agreement so the lender won't be able to garnish your pay from your employer without court approval. Mandatory wage assignments as used in some payday loan contracts are prohibited by the Federal Trade Commission's Credit Practices Rule.

If they are prohibited, doesn't that mean they are illegal to issue?