can united cash loans garnish wages or take us to court?

What are the laws in your state?? What state are you in??

I'm in Illinois I'm not sure of the laws. Where can I find out what the laws are?

First, check UCL if they are licensed in your state. Most internet pdl do their business without a license. You can verify their info with the Dept of Corp.

Illinois Division of Financial Institutions
Address: Consumer Credit Section, 320 W. Washington Springfield, IL 62701
Phone: (888) 298-8089
http://www.state.il.us/dfi/ccd/ccd_main.htm

If the company is doing the business without a license, they have no right to garnish your wages because they are violating the laws in your state.

Calculate how much have you paid on this loan account. If there is an outstanding balance, call them for a payment arrangement. Don't use your checking account for the payments. Money order is good.

If you have paid the full amount, get the account closed by the pdl. They need to send you a 'Paid in Full' letter.

First of all, UCL has to contact you to collect payment or make payment arrangements. They cannot take you to court until they have tried to make payment arrangements with you. They can only garnish your wages by a court order.

I don't think they can take you to court over this. It was a honest mistake on your end and you are willing to pay them off. Be careful in dealing with them though because they can be tricky.