A wage assignment is termed legal if it fulfils the following requirements:

• Wage assignment should be served on a separate piece of paper and should not be a part of the contract.
  
• You need to sign this paper in person at the time of the agreement with your social security number, your name, the amount of the debt, the rate of interest, and the date when payments are due.
  
• A copy of this agreement should be available to you also.
  
• Wage assignment should be clearly written at the top of this document.
  
• It should be served to your employer in the proper way showing the number of days you have defaulted in making payments. A copy of the wage assignment should be included along with it.
  
• The notice to the employer should be sent only after a notice about it has been sent to you. You should receive this notice 20 days before your employer receives it.
  
• This agreement should keep in view the statutes of limitations in your state.
  
• The assignment is valid for 3 years. But in between, if you have changed your employer, then it is valid for 2 years.
  
• The wages assigned should not exceed the allowed amount under the wage deduction act
  
• You cannot have wage assignment if you are earning wages from the State or local government or a school district.

Sample letter to Revoke a Wage Assignment

The date
Your name and address
The name and address of the creditor
Your account number with the creditor

Dear Sir or Madam,

I hereby revoke your right to use the wage assignment I signed on (The date you signed the wage assignment agreement). You no longer have my permission to use this wage assignment.

Sincerely,
Your signature

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Over half of the requirements required for a legal wage assignment have NOT been met. My employer just received this wage assigment last week, and all that is mentioned on the "wage assignment" is my name, social, and $ amount payable to a payday lender. There are no add'l details.

Do the requirements for obtaining a "wage assignment" differ between states?

I also never rec'd a 20 day advance notice that this was going to happen. I was threatened with a "wage assignment" 6 months ago, and then the agency just disappeared. I have never heard of a wage assignment before. And now to have my paycheck garnished the full $683 on this upcoming payday, I am mortified. Merry Christmas.

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Who was the wage assignment from? I have been told by my employer that it has to be court ordered to have a garnishment.

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Hi lcarib99

The laws of wage assignment are the same all over the country. They do not differ from one state to another. As the wage assignment served to you does not cover all the mentioned points above, please dispute it by sending a revocation letter to the lender.

Send your letter through certified mail with return receipt requested. This way, you will have proof of your actions taken.

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I have submitted a payday loan store and my employer a letter certified to stop a wage assignment and my employer has not honored it.

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Do they have to give you a warning that they are doing a wage assignment, or do they just take the payment out of your wages?

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can a wage assignment be implemented if i never received aloan from the company??

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