Garnish My Wages

I would type up two letters.

You'd give the first to your payroll department, telling them that you have revoked any and all wage assignments you've had in the past, and no company is authorized to attach your wages without a court order.

The second letter I would send out to the PDL company. Inform them that you have revoked your consent to any wage assignment you may have made in the past. Make sure you go to the Post Office and send it CMRRR.

Hi Keshia, you have mentioned the company name with whom you have the loan? Do a search in this forum and you will find them already discussed here. Read other's experiences and know how to deal with them.

Thank-you for the advice these people are crazy. They won't accept payment arrangements without my new checking account number and have add extra. I told them I don't have that type of account. And I will send them $50 per pay period until the remainder of the balance is paid in full. They said no!

My employer is being cool about it, the office manager called them and told them that they need a court order. They said they knew that. So what I wanna know is can they refuse payment if I just send a money order? And they also said they have software that can tell them where the computer was when I applied for the loan.
Is that some kind of lie??

Pay Day 2 go

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most companies can tell what IP address requests come from, so yes, they can tell where you were when you applied, but so what? It's not a crime to apply for a loan on a computer!

I just remembered! One tried this on me . . . They will try to tell you that you applied for the loan on your employers computer (even if you didn't, in my case I applied at home) and that since your employers computer is involved they can take your employer to court too!

Then they will try to tell you that since you put your supervisors name in the place on the application that asks who your supervisor is, that they can legally sue your supervisor to collect! Some mumbo jumbo about their name being on a legal document! What crap! I just laughed when they tried that one!

No beacuse when they said that I started laughing. They want my checking account number. And I just want to pay them and get it over with. But I don't have the money in full. I asked them when I sent the letter asking for arrangements or to make my account paid in full, why I didn't get a reponse they said they didn't get it so I offered to fax it they said they don't want it. I'm gonna file a complaint with my stae rep today.

Good move . . . Also, maybe try sending the letters certified in the future. That way you have proof of them recieving it. Getting your AG's office involved usually helps. What state are you in?

PA

So you know . . . The laws in PA aren't great. PDL's are prohibited, but there is nothing that says a pdl that is licensed in another state can't lend to PA consumers . . . It sucks, but that is where the law stands right now.

Hi my friends, I heard fron Ace Cash Checking aka America Cash Express, they said they are filing a claim against me?? I took out a $400 loan and have paid over $500, yet they are still telling me I owe them $465. They don't wanna make payment arrangements they only want it in full or
want me to take out another loan with them (no way!!!);to avoid another attempt to get my wages garnishes is there a generic letter as Morningstar suggested I can sent to them and cc my employer?

Shia

Morningstar was referring to wage assignments. They are voluntary, unlike a court ordered wage garnishment. You can revoke the by simply sending them a letter stating you revoke an and all wage assignments you may have signed.

Here is a reponse email from "Randy Wright" from Payday 2 Go I received today. I sent them a letter to revoke wage assignments and I also I stated I will only pay what I borrowed and go by PA law, because they atttempted to collect a collectors fee and addtional loan fee's that I'm sure I paid more than five times.

I don't know what letter you sent them initially, but it is important to remember that PA is a rather unique state. The lender is allowed to make loans over the internet, as long as they are licensed in a state. In this situation, they should be lending in accordance with the licensing state's PDL laws.

Edit: I don't know if they have a DBA, but the address I found for them on the BBB lists for Washington, D.C. I checked for a license with the Dept. of Insurance, Securities and Banking, and was unable to find one...but this doesn't necessarily mean they aren't licensed elsewhere.

Thats for the research you did for me, PA laws are too unclear, I'm not sure where this company is license but from his reponse letter my sure they have a way to back their behinds-up. I'm gonna sent payments thats all I wanted to be able to do.

Thanks for the research you did for me, :lol: PA laws are too unclear, I'm not sure where this company is licensed but from their reponse to my letter I'm sure they have a way to back their behinds-up. I'm gonna sent payments thats all I wanted to be able to do.

Thanks again,
Keshia

Here's some clarification on PA laws:

Dear Ms.:

The 9.5 discount and the 24 % simple interest refer to calculations that can be used by companies that are operating in Pennsylvania and are licensed under Pennsylvania????????s Consumer Discount Company Act. With a number of exceptions, a lender that is located inside of Pennsylvania and who does not have any special lending authority (i.e., a special license or charter) who is making smaller loans not secured by real estate can only charge interest at a rate of 6% simple.

A lender that does not have a physical presence in Pennsylvania but who has lending authority from some other state can generally charge the interest rate and finance charges allowed by that other state.

The Department may or may not be reviewing this policy and I would not count on this e-mail as an interpretive opinion before starting any lending or business operations.

James Keiser | Administrator Non-Depository Institutions

17 North Second Street, 13th Floor | Hbg PA 17101
Phone: 717.783.8242 | Fax: 717.787.8773
jkeiser(at)state.pa.us | www.banking.state.pa.us