OMG. You do not know how f'n freaked out I was! How many people have I advised to write that letter revoking any wage assignment? How many? And then
BAM I get hit with one! Holy Moses! And I'll tell you what. Now that I have seen it first hand (and I'm kind of glad I did because now I know more! LOL!) it does look pretty "official". They send a letter (official looking) with all their information on it (illegal overseas address and all) and state for the employer to mail xxx dollars to the payment processing address (a US address)
in full. Can you believe it? I was floored! Then they go on to say the employer is responsible according to the agreement the employee signed. Then they also include a statement (that you have never seen) stating that you agree to wage assignment and you agree to have your employer pay if you don't, etc. and then it says "electronic signature" and your name is at the bottom. All nice and official looking. No wonder these places fall for it! No where on the letter does it state anything about the loan, etc. It just states to mail xxx dollars in full to the mail processing center. You then have to read the actual Declaration of Wage Assignment. It does not state anywhere on there that it is mandatory or "by law" or anything of that nature. It actually is worded as "I" (you the borrower)
authorize and request your employer to pay the amount due to the assignee and that you are saying "okay" to take it out of your paycheck to pay the employer back. So, it is not stating YOU HAVE TO PAY THIS BY LAW. No. But you have to read it very carefully, word for word, to understand what they are saying. So, at dollars advice, it was typed up nicely on company letterhead. A two page letter stating the laws that goudah so graciously posted for me. Also stating that we have a copy of the letter revoking the wage assignment by me, stating that we are aware of the fact that this company is unlicensed/illegal and located overseas and that this was verified by our state officials. It also stated that we are aware of wage assignments and that they are voluntary and that we do not honor them. It also stated that we forbid them to contact our company again regarding this matter or to contact me at my employment regarding this matter or legal action will be taken. One the letters they faxed over, in big black letters was written
WE DO NOT HONOR WAGE ASSIGNMENTS. I think this should do it. I faxed it back as soon as it was complete. Seeing as how they're illegal anyway, it was just to cover my ass (again) and also keep my employer out of it. Also, I wanted to point out that we are all not stupid and knew what was up (thank you goudah). And I also wanted to state not to contact my employer again. Now........ to get the damn one that they put in the mail. Gotta keep "mail watch" for awhile now. Lord have mercy...........