pdl wage garnishment?

I was just contacted by an online payday lender (Cash Today) I used in 2005. I originally borrowed $279.00, now they say I owe them $2046.00 because they have charged me $79 every two weeks since June 2005. I remember that they deducted $79 from my account for their fees every two weeks when I first took the loan. This went on for weeks because I couldn't afford to pay them in full. I closed that account years ago. Now they're calling me at my job and they say they will call my employer and have the amount deducted in full from my paycheck. What can I do to stop this?

They can NOT garnish your wages without a court order. What they may be talking about is a wage assignment. Fax or email them a letter revoking any and all wage assignments you may or may not have signed with this company. That is all the letter has to say, acct#, you name, etc., and just revoking any and all wage assignments. Give a copy to your payroll person. That is all you need. A wage assignment is fairly typical in small print on a pdl loan, but you can revoke it at any time.

They are one of the worst out there. They sometimes call themselves US National Bank and threaten to download you the County Sheriff and all kinds of crap. Just hang up on them. They are a totally illegal operation and have no way of collecting anything from you. They don't even have an address in this country!