Employer received the wage assignment from CTC

You could just do as Cannr did and send them a fax back in big black letters saying - We do not honor wage assignments at this company....or you could send a letter back from your company saying that the company does not honor wages assignments and in fact, the were familiar with wage assignment notices and the one sent by CTC was not legal.

Llw, this is just as an FYI....I found this on another post and it has been posted several times on the fourm....

Beautiful! Roxy, you're the best! I am so glad I stumbled upon this forum. It feels wonderful to be empowered with the knowledge of the legalities of these scams.

The fact that the wage assignment needs to be signed in person pretty much voids an internet 'signature' it seems.

I'll fax CTC tomorrow. This is annoying of course but knowing what my rights are, makes it more of a game and much less threatening.

Liz, no problem I have seen so many posts about this issue and thankfully I have not experienced it first hand. I do not want to see these a$$hol#$ win!

Depending on your state, they may be illegal altogether. In California, there other stipulations as well, such as a spouse must sign the wage assignment as well, even if they arent a party to the transaction.

Right, it's varies state to state what the requirements are for wage assignments. It's not the same everywhere. I don't think the stuff posted above applies to every state.

What state are you in? Some state's flat out outlaw wage assignments for these types of things.

If her employer says they are not going to honor it, can she not just fax it back to them with big writing stating 'WE DO NOT HONOR WAGE ASSIGNMENTS'??? Then that'll be the end of it? They're not going to honor it, correct?

Yeah, it's really all on the employer's shoulders. They are the ones that will either deny or honor it.

Thanks, goudah! :D

Correct, they are not going to honor it. I have the fax CTC sent, and will fax back to them tomorrow stating that it will not be honored. I had to go out of town for meetings today so I couldn't take care of it. I was fortunate that my HR guy talked to me about it.

liz, I am just happy your HR talked to you first and is not going to honor it.

I'm a little confused about this. Where did this info come from. I am intrigued with the you cannot have a wage assignment if you receive wages for a state or local government or a school district comment. Could someone clarify?

llw, I see where you're seeing this. From roxy's post from another thread.

roxy, where did you find this that you quoted? Maybe llw can get clarification from the member who posted it?

You cannot have wage assignment if you are earning wages from the State or local government or a school district.

Its in this post...above.


goudah posted:
Right, it's varies state to state what the requirements are for wage assignments. It's not the same everywhere. I don't think the stuff posted above applies to every state.

Its great info...but its worthwhile to find out what laws are in place for your state around wage assignments.

That's what I meant when I was telling llw that I see where she was getting that information. It's from the post by roxy on this thread. But that post was quoted from another post from another thread somewhere. I was just wondering where the quote came from so that llw could get the clarification she was asking about. I can't clarify it for her, so I was hoping that wherever that post came from, we could maybe get clarification from the original poster. Maybe?

It was originally posted by Roxette. But it might not apply to all states.

Gotcha! Thanks, volley! :wink:

You're welcome.

What would be handy here is if we had a sticky of any available state specific wage assignment laws. The best case scenario is that the employer denies it, but as we've all seen, there are a handful that come here in a panic and sure could use those laws to give to their HR dept.

I'll see what I can dig up

Thanks for any kind of information! Many, many people freak out (of course!) when their employer receives a wage assignment. And a "sticky" with the information would be great!

Thanks for your help guys. I am just curious about it applying to NYS as I receive funds from both the State and my local school district. If this applied to NYS it would be great! I have informed both the State and my school district of the potential, but if it wasn't legal then I could just send that to them as well and there wouldn't even be a question of it happening. If anyone knows how to obtain this info that would be great as well. Have a good one!

I faxed CTC today. Sent back their fax, on which I had written in a black Sharpie - "As this is a voluntary instrument, it will not be honored. We will entertain no further contact with your organization."

So....if anyone has had experience with wage assignments, was there any further contact with your employer once the wage assignment was refused?

liz, once I faxed my wage assignment letter with my BIG BLACK magic marker remark, I have never heard another word from them again. Never. So, that's a good thing! :D

Whew!! That's good news. Thanks again cannr! I just want them to leave my employer alone!!

They will. I think everyone else that had this happen to them, once their employer said "no way", they haven't heard from them either. So, I think you'll be okay! :D

When I was facing this with Sonic Payday, I actually spoke with the Garnishment Supervisor for my employer, (who is HUGE, btw). She told me that not only did they not honor wage assignments, she had sent so many of them back to Sonic, CTC, etc., that they had just stopped trying! So once they get enough of them back, my guess is that they'll get the message and just stop doing it.

I got a response from the NYSLRS stating that they do NOT lien pension accounts except for alimony, child support (that I khow first hand cuz my ex's pension was nabbed for child support), tax liens or bankruptcy liens, and I believe even at that, they are only by court order. They told me they DO NOT deal directly with creditors. At the very least, ALL requests for assignments of pensions have to go before a legal review department. I responded to them to make sure they understood that these are illegal companies and the chance of them producing legal documentation is slim to none. I honestly do no remember signing anything of this nature so I am hoping that they will never have the chance to invoke that practice. As far as work goes, I have spoken with the Payroll person. She is in the same building as me and she knows that if anything crosses her desk regarding my paycheck, she will call me pronto. Since both of these situations are "government" I am hoping that the trolls will back off in that department, if they are even thinking about it.

Sounds like things are covered for you--and my guess is that others in your company are in the same boat, as mine were. If your payroll person could just make it a practice to let other employees know when they get these letters, that would be great--and would help to end this practice.

I was also told by my payroll personnel person that the federal government does not honor wage assignment either. It has to come in the form of an official court wage garnishment, which you would be aware of the process before payroll gets it. I'm pretty sure if they're illegal they're not going to bother to try and go through the courts. I think a lot of people would relish going to court with them.

Back to CTC, they will next send you an offer of settlement for about 40 percent of what they say you owe. It will come under the name of a different company but it is them!

frog - really? This is the first I have heard of this one. I'm thinking you found this out from experience??? Interesting......