How do you stop levies? | DebtConsolidationCare

anonymous · 2007-10-22T15:07:31-07:00

a pay day loan company levied my check for 75% for loan repayment. then the next week took another 60% that a judge allowed them to take. I beleive they were sending certified letters. I never picked them up from the PO. Then the judge levied my payroll check. I am the only one working and this really hurt my family. can another pay day loan company do it again. I would think they can?!?! So how can I stop them?

Nikki..welcome! That is awful!! Your paycheck is being garnis

Nikki..welcome! That is awful!!

Your paycheck is being garnished? What state are you in? There are caps on garnishments.

Who is the payday lender you are referring to?

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lrhall41

Submitted by volleyballmom on Mon, 10/22/2007 - 15:45

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Is this a store front we are talking about? An illegal PDL could

Is this a store front we are talking about? An illegal PDL could not get a levy?

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lrhall41

Submitted by kashzan on Mon, 10/22/2007 - 15:47

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Until we get a response from nikki, I'm going to assume this is most likely a storefront pdl. I just can't see a judge allowing this for an illegal internet loan.

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lrhall41

Submitted by cannr on Mon, 10/22/2007 - 17:32

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Just off the top of my head, there are indeed garnishment limits

Just off the top of my head, there are indeed garnishment limits and I dont know of any state that would allow 75%!! AND then another 60%???

Nikki we hope you are okay and please come back :)

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lrhall41

Submitted by volleyballmom on Mon, 10/22/2007 - 20:16

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Yeah I am curious too. I believe it must me a store front.

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lrhall41

Submitted by Breakthecycle2 on Mon, 10/22/2007 - 20:36

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Yea but even a storefront..even any judgement for that matter ca

Yea but even a storefront..even any judgement for that matter can only garnish so much!!

I wonder whats up with this situation.

Most states are around 25%...

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lrhall41

Submitted by volleyballmom on Mon, 10/22/2007 - 20:46

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can you help me

I currently have 7 payday loans out through the internet. They are killing me with these fees. How can I get rid of them without getting my paycheck garnished?

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lrhall41

Submitted by on Tue, 10/23/2007 - 09:24

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Federal Law caps the amount that can be garnished at 25%. No ju

Federal Law caps the amount that can be garnished at 25%. No judge would allow more.

I think this is an internet loan, and a wage assignment.

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lrhall41

Submitted by goudah2424 on Tue, 10/23/2007 - 09:26

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This is definitely a wage assignemnt. Garnishments are federally

This is definitely a wage assignemnt. Garnishments are federally mandated at 25% for consumer debts, period, regardless of your state. Federal debts are a whole different animal. To be honest, with this kind of assignment, I'm surprised you have gotten a check at all. There is no cap on a wage assignment.

There is no way you can get this money back, but you need to provide your employer with a letter of defense..which says you do not authorize any wage assignments..NOW!! You need to give this to payroll before sending copies to your pdls.

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lrhall41

Submitted by finsfan13 on Tue, 10/23/2007 - 14:27

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Thanks goudah and fins. That was a LARGE amount of money. Actually, the member from before who's employer honored her wage assignment (could still kill them) was taking almost her entire paycheck. Amazing.