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jessp61520

after advising my friend against a PDL he went with CTC and got a $350 loan. He defaulted in december after paying them $780, and closed his account. Today his emplyer told him there's a wage garnishment in the amount of $465 that will be deducted from his pay next Friday. This after he sent CTC a letter revoking any wage assignment. His employer say's there's nothing they can do. Doesn anyone have any suggestions? He also told them he has never signed anything it was on the internet.

Posted: Fri Feb 23, 2007 9:49 am Subject:

What state are you from? Is wage garnishment allowed in your state? Please list what state you are from and we can look it up and see for you.

Guest · Posted: Fri Feb 23, 2007 10:02 am Subject:

Florida

Posted: Fri Feb 23, 2007 10:41 am Subject:

A wage garnishment can only be court ordered and your friend should have received something. Tell your friend to ask his employer to see some paperwork regarding this garnishment. If it's just a wage assignment, then he needs to show his employer the letter he mailed to CTC revoking the assignment. If this was only and assigment and he revoked it, then his employer should not be sending any money to this company. Your friend also needs to verify that this CTC place was charging him the correct amount of interest on his loan. Here are the Florida laws when it comes to PDL's

Guest · Posted: Fri Feb 23, 2007 11:20 am Subject:

Thanks, they CTC) told him that since he electronically sigend a voluntary wage garnishment they can garnish. I'm looking for anything that says that Wage assignements for PDL's are illegal in the state of Florida But I cannot find anything on this. His employer is looking for somekind of Florida Statue on this....can anyone help?

Posted: Fri Feb 23, 2007 11:51 am Subject:

A wage garnishment can only be court ordered, so there is noway he electronically signed one...they are just pulling his employers leg to get some money. The only thing that he could have signed was the assigment in which he revoked. So without a court orderded garnishment his employer should not be giving CTC any money...
If you can't find anything, you should call the Florida Attonrey's General office and get more assistance with this.

Posted: Fri Feb 23, 2007 11:54 am Subject:

I also dealing with ctc and they are stinkers! They d wage assignments and these can be revoked. When they called my hr director I told her that I had revoke the wage assignment so she doesn't take the calls from them any longer.I had to send at least three or four e=mails to them stating that they were not to call me at home or my place of employment or any of my references, but they were to communicate with me either by e-mail or USPO.

Posted: Fri Feb 23, 2007 1:52 pm Subject:

OK, I found some very good links for you about this company. They are more famous for threatening wage assignment than garnishing wages.

http://www.debtconsolidationcare.com/forums/about9161.html

http://www.debtconsolidationcare.com/forums/about3377-27.html

Take a print out of all these pages and ask your friend to show it to his employer. It looks like he has not heard about the illegal activities of Sonic Payday based in Canada. Cash Transfer Center is one of their affiliates. There are many legal complaints against this company, violating the laws almost in every state. Your friend has to convince his employer that if he allows CTC to deduct money from his paycheck, he will be sending his money to a big scam company. Ask him to show statements that he has already paid $780 for a $350 loan. As per the laws in FL, he must have already paid the permissible charges.

Posted: Fri Feb 23, 2007 2:06 pm Subject:

Can't he get his employer in trouble if they send this money to CTC and it was not court ordered, and he revoked the assignment.

Posted: Fri Feb 23, 2007 5:03 pm Subject:

The employer needs to call the florida attorney generals office and hear it for himself, seems the only way he is going to listen.

Posted: Fri Feb 23, 2007 9:37 pm Subject:

I'm an HR rep, and let me tell you, wage assignments SUCK. It's interesting, I've been on my job 7 yrs, and I've only started getting these in the last year or so..And usually not for PDLS.

The tricky thing is, employers are NOT required by law to inform the employee of a wage assignment..Because they are voluntary, so the payroll dept would assume that the employee wanted this. I know this sounds crappy, but if I didn't have this board for knowledge about PDLS, I wouldn't realize that employers are frequently duped into digitally signing, and I may not tell the employee that there is an assignment. So in all fairness to the employer, it may be too late to revoke the assignment..Remember, checks are usually cut at least four days before payday, frequently more like a week or more.

Hopefully it's not too late for your freind..Once it's done it's done, there is nothing that they can do about it, because unfortunately, they are legal.

Posted: Fri Feb 23, 2007 9:45 pm Subject:

Before a company attempts a wage assignment, aren't they supposed to notify the debtor at least 20 days in advance before they attempt an assignment?

Posted: Fri Feb 23, 2007 9:54 pm Subject:

No, they only have to notify on a garnishment..At least in Michigan..Because a wage asignment is a voluntary deduction, just like 401k or profit sharing, or insurance.

Posted: Fri Feb 23, 2007 11:12 pm Subject:

In Illinois we have a whole Act dedicated to the wage assignment. For us, a number of things need to be followed: 1) creditor needs to send a notice of intent at least 20 days before sending a demand for wages. The wording on the intent is prescribed by law, and it must be sent certified to the employer. 2) After 20 days, creditor can send a demand out; it's wording is prescribed too.

Interestingly enough --

Posted: Sat Feb 24, 2007 6:11 am Subject:

Couldn't also depend on your employer's policies as well? I know that when I was dealing with Sonic that I revoked the voluntary wage garnishment with them. I also contacted my payroll department and they told me they would not do something like this without a court order.

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