Help ASAP

Smoking is bad for you! Sorry... I've been told I'm a party pooper! But if you wish to smoke, then smoke one for me as I don't...

Cannr....that's it!! I am never going to work again...I miss too much when I am away!!! This working stuff is so unfair...LOL. I am sorry they did that to you though...glad you got it settled!!!

Cannr, I was out all day , and just read your post. first of all calm down. This is something that does not at all have to be honored. Did you ever tell your boss about all this PDL crap?Please be calm and dont get yourself sick over this. Realistically , you do know that you are safe

Cannr - OMG... This really sucked for you. I am so glad it was worked out and everyone came through for you. You are always on here helping us and I am happy to see you got the help you needed. roxy

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...........

Cannr - You go!!! I would have been freaking out myself. You are amazing..... Roxy

Keep a copy of the letter that you sent. You never know when one of us might need it.

Oh, pyb.... You know I have a copy. I will make 40 copies. I will frame it and hang it on the wall. I will mail it to the President of the United States. LOL! If anyone else EVER gets one of these sent to thier employer, at least I now have something to use to help them. For all this nasty mess that almost caused me to go to the E.R., at least something good comes out of it. Something else found as a "learning experience" to help others if needed! Lord, I don't want any more "learning experiences"! Hell, I thought I was hit by it all. Nope. LOL!

Not trying to upset you by any means, just a little "experience" with the whole "wage assigment" nightmare I have endured, please keep in mind I live in Illinois so things may be different. I live in a small town but my HR dept is in another state because I work for a very large company, I had signed a "voluntary wage ASSIGNMENT" and this was with a internet installment lender (stupid,,stupid, and did I say STUPID?) well anyhow I tried to make arrangements to negotiate a lower payoff in full, which they did not accept, they immediately faxed the wage assignment to my employer which my employer has it's own legal department for that sort of stuff and although I certified/return receipt mailed the revocation to the creditor and my employer, my legal department (I also consulted an attorney) stated they had to honor the assignment because my signature was on it and if they did not then they would be responsible for the entire amt of the debt. The only way they could "release" it was with a written letter from the creditor.... SOOO, be careful, very careful. I am hoping your state laws are different. I am in NO way trying to scare anyone, I am just letting you know my experience,, now that my wages are being garnished.. FROM A DAMN WAGE ASSIGNMENT, not a GARNISHMENT, which I fought tooth and nail with my employer and it got me NO where, other than they are taking 15% of my wages! BUMMER for now, but not for long. Left me no other choice but the inevitable... Bankruptcy! Good luck and I wish you nothing but the BEST!

canner: put your employment as MacDonald and SOn and I will take care of this myself. Put your work number as 317-835-7014. Just let me know what your legal name is that these people have and I will tell them you no longer work for me. I will help you out no matter what cause you have done so much for me with my problems. Every good deed does not go unpaid!!!

Thanks, roo!
cindysunshine - I know of your troubles regarding the wage assignment. You were flashing through my mind the entire time! However, this wage assignment does NOT vary from state to state. This wage assignment very specifically states that this is a "voluntary" wage assignment. And the document that has your electronic signature on it states that you "authorize and give permission" to your employer to pay it. It does NOT state that they are responsible for the debt. It does not state that they must honor it. It states nothing of the fact at all. It is there, plain as day, if your employer/payroll department/legal department actually sat down and read every single word on those letters they were sent. Big company/small company. Doesn't matter. They did NOT have to honor that wage assignment. I'm still pissed over them giving an illegal pdl your money. It not not a "legal document". And, they cover their ass, it does not state they HAVE to pay the debt. No, no, no. And the paper with your "electronic signature" is just saying you "give permission" to your employer to pay the debt (in other words, this is optional here!) and that you would pay them back. I swear to you, cindy, I'm looking at mine now. It wouldn't stand up in a court of law if you took action against your employer (well, to me it wouldn't!!). It is just "giving permission". That's why it is totally voluntary by your employer. Do you have the documents that they sent to your employer? If you do, read every single word slowly. That's what I had to do. You will see what I mean. Your employer is a friggin dumb ass. cindy, I don't mean any of this towards you at all. I'm still pissed at your employer. If they had read this carefully, they would know that it was voluntary. They did not have to abide by it. And I know it's a large company, but they have a bunch of dumb**** there.


****Adult term removed - Jason

cindy-Not that this makes it legal or not but just curiosu, Did you actually sign yours....with your real signature or was it an eletronic signature as cannr mentioned hers had on it?

volley, hers also would have been an electronic signature, as these were internet loans. And like you stated, doesn't matter anyway. Regardless, it is still "voluntary". It says so on the damn paperwork. Her employer is an idiot. I feel bad for cindysunshine.

Cannr-Ahh, ok. I was just curious if they might have had her print/sign/fax or something because she states "...my signature was on it".

The are abusing e-sign...e-sign is widely used and REGULATED in the student lending industry and I think too many companies are thinking that its just ok to use...its not! Especially on ILLEGAL documents!

WOW! Cannr...you had quite a day. I just read through the post and now I have to go smoke!!! That is scary! Just keep watch and intercept EVERYTHING! Now I'm going to be watching out big time. How long did it take for them to make contact regarding wage assignment?

Cannr, If it helps i will Pm you my # at work, and i can say i am your Hr dept. I will do and say whatever i can to get you out of this mess. I am here if you need me