Cash Transfer Centers/Sonic Payday and WAGE ASSIGNMENT

I just re-read the documents and it makes no mention of wage assignment

I did now notice that the agreement is governed under the laws of the Republic of Malta. How nice.

when they use the wage assignment and was it for what you borrowed, or more and when did they do it how soon i mean right after or before did you do a revocation letter to hr or what? i dont want them taken out more than i can afford, so tell me what to expect i am worried how much time do i have before they hit me will they at least warn you or just hit you right away.

"when they use the wage assignment and was it for what you borrowed, or more and when did they do it how soon i mean right after or before did you do a revocation letter to hr or what?"

This has to be the most confusing sentence in the history of the world.

did they take all the money,wage assignment, revocation letter how did they do it, and when did they do it tell me.

Send or fax them a letter in which you revoke the wage assignment. Make sure you send a copy to your HR department. The wage assignement is voluntary from what I remember. Check your state laws because they might need a court order before they can garnish wages. I am sure they will not get a court order since that will cost money and they are lending illegally in most state.

In Texas, a Wage Assignment has no legal effect unless it is either agreed upon by both parties or ordered by a court.

According to Lone Star Legal Aid, the problem I may run into is that some HR departments may simply not know the difference and treat the Wage Assignment as if it were a court-ordered garnishment. A good HR department would notify the employee of the Wage Assignment that they received and make sure that is agreed upon. Of course, since the PDL will present the Wage Assignment to the employer showing a signature by you. So, your employer may just assume that it is valid and binding.

Also, an employer in Texas has no duty to honor the Wage Assignment even if both parties agree to it. Some larger employers will simply not honor the Wage Assignments without a court order.

Bottom Line for me is that I work for a company with a decent HR department. If the PDL threatens Wage Assignment, I will simply notify my HR department of what is going on and that despite any documentation that I have provided, I categorically do not consent to any Wage Assignment.

And since I am in Texas, I am happy with that advice from Lone Star Legal Aid. They also tried to explain some other aspects of Wage Assignment law in Texas, but this was the gist of the advice.