Garnish wages?

They can't garnish your wages without a court order. Now a wage assignment is different, that is voluntary. Did you sign a wage assignment when you took the loan out?

Have you tried to make payment arrangements with them? Some of the storefronts are willing to make arrangements, however, some will take the matter to court and attempt to get your wages garnished. If the store manager is not working with you, then go over their head to a district manager or a corporate office. As Pybasj said, if you have signed a voluntary wage assignment (look at your contract to see if it is stipulated) then you will want to revoke it ASAP and try for arrangements.

Please be careful with your store front loan. They are mostly legal and can and will sue you. If they are a member of the cfsa they are required to make pay arrangemkents with you. However they will only do it , before you are in default.

I don't think the EPP would come into play here, because if they are worried about garnishment odds are they have already defaulted.

Yes, they can legally garnish your wages. They can file a lawsuit against you in small claims court. You would be served with a summons, and if you don't answer the summons within the specified time, a default judgement will be entered against you. Then the company can proceed with garnishment. If you don't answer the summons, it can take as little as 14 days for the company to get a judgement, and as little as another week for them to have the garnishment order. So just be sure that if you do receive a summons, you answer it.

Store fronts do not do "wage assignments".

Don't rule it out, though..

In my line of work I have to handle garnishments and wage assignments. Did you know that there is such a thing as court-ordered wage assignments? That's scary. Generally it's for a federal debt, but it's just a frightening thought, because there is no deduction limit on wage assignments.

Fins, I thought that wage assignments were strictly a voluntary thing that the PDLs used.

Unfortunately, no. That's usually all they are, and can always be revoked. USUALLY court ordered ones (NOT to be confused with garnishments) are for back child support, but I have not seen evidence that they can't be used for consumer debts. Not trying to alarm anyone, I've never ever seen one for a consumer debt, but who knows? Anyway, it could still be revoked, but only, I think, by proving insolvency.

Thanks for the information.You learn something everyday on these boards.So what is the difference then between a court ordered wage assignment , and a court ordered garnishment?Is the only difference that there is no dedcution limit on the assognment?

Basically. This far, I've only seen C.O wage assignments for child support. BUT..I get more garnishments for child support than anything.

Now I remember from a post not too long ago regarding wage assignments being signed for a member who is in the car selling business. They do wage assignments. However, they do them in a nice, legal manner. Such as it having it's own individual page, very clear and concise, and you have to sign it acknowledging what you are signing. So I knew it was out there other than just pdls. However, I haven't come across a storefront that does wage assignment, but that could just be my state. I knew that storefronts can certainly do wage garnishment if it goes that far, but wage assignments also? Maybe it just varies from state to state??

can your wages be garnish because of medical bills

If you are taken to court and the judgement is won by the collection agency or whomever it is trying to collect from you, then yes, the can be is most states.

what state are you in?

Washington and i never received a letter to appear in court I just got a message from pay roll telling me my wages were garnished

Go to your payroll/HR dept and ask them what they recieved to order the garnishment and ask for a copy. Head to the courthouse and check into it.

i had medical bills in 2007, when i was unemployed, i just recently got a job now in 2009 and my boss recieved a notice that my wages were being garnished because of 2007s medical bills. 75 percent of my check are to be garnished. is this legal?

They can garnish due to the fact that you owe the money. The question is about what percentage of your check they can take. This is regulated by your state, so I would call the Clerk of the Court in your local area. You can also try to appeal the amount with the courts. Ask the Clerk about this when you call.