A creditor needs to send two things before they can proceeds with a wage assignment. First, they have to send an "intent to assign wages". The intent is mailed to you, and sent certified to the employer. But the employer should not deduct from your check just off of the intent.

20 days after they send their intention notice, they can send a "demand" for your wages. The demand is when the employer starts taking from your check.

BUT, you have 5 days after they send a demand, to file the defense form with your employer.

You should contact payroll, and ask them what they have received. If they did not receive a demand yet, then you should be safe.

gfsil emailed saying they have a missed payment they needt o know if this is an adminstration area so do you think they are tring to talk before tring to wage assign me.

Sounds like they are trying to find out where to send the wage assignment. They wouldn't want to send it to your attention; they want to make sure it gets to payroll. Did you send them a revocation letter yet?

yes i sent it this morning,with the notory seal on it i did not know what date to put on it so i just use the year. all of them of 2006 laons now i can go to the next step getting all the rest settlement letters out, to see who will do and who will act a fool. they have not gotten anything at my payroll office yet,so i an safe for this one. thanks i can sleep a little better now. i wont completely rest till this is completely over. at least i am on the case the big problem will start next week when the rest relies they will not be able to withdraw, the gfsil told we cannot debit the money out of the account you gave us what happen what should i do now. what is the next step, you guys really know what to do i dont know what wouldnt have done without you guys i really thank god for this form i just got in too deep but at least i can work my way out little but slowly. thanks guys. its not over yet but the fight is beginning now!!!!!!!!.

i keep getting calls from gfsil only the rest are not calling so far what should i tell the guys beside tring to make an arrangement, are really a settlement, now cashnet usa you said are legal and licensed in all states i owe them 848. cashtranfers center i owe them 889 ameriloan 715,national opportunty any one heard of this coooooompany owe them 400, i owe 5 for companies 390 apiece, they are timberhill i go them in may paid 90 dollars every two weeks i belive i have paid them over what i browered all together i have paid over 1,170 dollars each i think that will cover them i can ask for a print out of my bank statement if necessary, i have two 260 dollars loans and two 250 dollars thats it for now so i guess i will be getting calls soon from these people i had some other but i only owe maybe a little more on these, they just overwhelming i was doing good at first them the laons got more than my checks my account started to get overdrawn i never had this all my life, i said i need to do some thing now, i thank god for the people on this form that knows what to do and who to call because i know the money was easy to get now they wont let you even make a payment arrangement or settlement i am tring to pay them just cant do it all at once. smile what to do? also about the first three laon companies, cashnet usa, cashtranfers center, ameriloan, national opportunties,anyone know how they work in default. will they be mean or will they work with you? please respond if you know thanks.

pleas read and consult for me ok

As long as you are making regular payments most of your PDL's will work with you. GFSIL and Cash transfer center will probably be difficult, but just be patient, send them what you can.

If you've paid them more then your state legally allows, then just keep sending letters and standing your ground. The treats get worse the longer you hold out, but if you hang in there you will see light at the end of the tunnel.

I notice you still haven't registered for the site. You should register, it's free and then you can send personal messages to people. You also earn points for every post you make and each point equals 1 cent. You can actually make money by posting on this site!

i am registered i dont know what happen,listen a guy just told me he just got sued by a payday loan company what about that, you cash tranfers if difficult how will they give me a hard time , i will know tomorrow i will pay them but cant do it all at once.

Anyone can sue anyone, that doesn't mean that they have a case. I was told by my state's AG's office that IPDL's can sue you, but most won't, because then they'd have to go to court and explain to a judge why they are lending illegally. If someone got sued by a PDL most likely that PDL is 100% legal and following all the applicable laws. You have to pay back what you legally owe on each one of your PDL's.

If you do a search for cash transfer centers you will get more info on them. I personally haven't dealt with them, but many others have. Look at those posts and you will get a good idea of what to expect.

Laverne- If you are registered, someone will contact you for your credit counseling. These trained professionals will answer all your questions and help you with whatever you need. Just get all your debts and papers together, and when they contact you, you can ask questions, and they can tell you what your options are...Karen

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As long as you are alive, there's always hope

one counseling called me they just want to know what i owed an told me how they charged then no advice but i had to pay them they made me mad but iam looking for advice sooon they did not take it this time but i am ready to make a settlement with them and get on with my life. any one there.

hello i talked to a counselor and they told me what they charged and that was it. They just said i have to pay them i know this but i just wanted a payment plan they said i have to pay 1600 dollars for a month that is the amount i owe. what goes on form tell me about.

Laverne--

Who are you referring to saying you have to pay $1600. A credit counselor or a pdl?

a debt counsoleorcalled from this form i told the amount of the loans and they told this is what i will pay them to stop the harrment assigmnet wage, etc. i never got any couseling only how much do you owe well they need 1600 to get started themit will be this for three years i not think so. how do you guys get those signs you made with your name.

forgive my spelling

listen what is a echeck and can they access you new account with this check cashnet has one, they said i did not to be in court for this loan, in the agreement whatelse can are will they do?