Western Sky/Cash Call

It was just a verification of employment form that they sent back. I did not have to sign anything. They put on the form my hire date and that I was working there. It is my employers policy to not give any wage or salary information. I have not paid them since March of last year. I don't know what kind of letter to send them since it was already turned over to a collection agency

They have to take you to court for a garnishment to happen.. they can't just send in a form and get it done.. why did your employer send it back to them? Have you been served with a court summons? How long since you sent WS/CC your letter revoking ACH authorization, just curious since I am still getting letters from them to try to get me to modify my loan with them.. 

So I recevied another call/message from Ms. McCarty at NRS, llc yesterday stating they have talked to the person that from my employer who signed the form and that there is a 72 hour turn around for this to start. I proceeded to call the FTC and my AG regarding this and they all said that there has to be a judgement against me in court for them to start teh process and that I should have received papers in the mail. They didn't really give me any help regarding the next step after it goes to collection agency. I tried to have them help me figure out how to stop this from proceeding and all they woudl tell me is that I should get an attorney. I cannot afford an attorney and am at a loss of what to do now.

I would try where you live - and your name, to see if you are being sued..

you don't pay anybody until they agree in writing to that amount.period end of story.

Who do I get to agree to it? I have three companies that are involved. If I get one to approve it the other two are going to come at me also. That is why I am asking. NRS knows nothing about Cuzco Capital

Western Sky/Cash Call is an illegal lender. You owe principal only. Don’t worry, illegal lender can’t do anything. They won’t be able to garnish your wages. They are trying to scare you. File a complaint against them to the SAG or FTC and close down your old bank account immediately.

I would call the local courts and see if their is a suit filed first, if not they are breaking the law.. I know that in the stickys in the top of the forums there is a thread by Waffles on how to deal with collections agencies - I would look there. 

How do I go ahead to file these complaints

you get any info from your employer about this bottomfeeder,and file AG,AND FTC complaints(make sure to point out to the ftc that this is cashcall)and really take your employer to task as they are not obligated to honor that at all.

You need to find out who owns this loan first and then do business with them. Definately get all terms in writing. You have emailed your employer stopping any garnishments, which is a good thing, but I would also call your payroll dept., verify they got the email and get the name of the person you spoke with and document that. You can probably check your court's website to see if there is anything against you as well.

A copy of the letter you sent to them should work - it states that you are revoking ACH and wage assignment.. your employer can not give out your information with out your consent - unless it is for debt to the government like taxes or student loans - I just verified this like 10 minutes ago with my own payroll department.. Let them know that you have been a victim of fraud and you need to be alerted if anything does come in so that you can report to the FTC.. 

In a nutshell...I questioned with Western Sky the validity of the loan I took out for 2600. They in turn sent me a letter with the usual that is it a legal loan blah blah blah. In that letter they stated at the end that Cuzco Capital Investment Management, Llc in Great Neck, NY now owned this and to contact them with any further questions.

I received a settlement offer from the NRS company on behalf of Cash Call/Western Sky saying that I owe $4,440.46 but they would accept $2886.30 and call it paid in full. I did the math and between the amount I borrowed and the amount I paid is $1825.83, which is what I will pay since that is what I owe. My question is.....who do I send the payment too?

- Western Sky/Cash Call where the loan originated

- NRS LLC who says they are working on behalf of Western Sky

- Cuzco Capital Investment Management, LLC who Western Union/Cash Call is saying now owns the debt.

I have sent them an email stating that I am recoking all wage assignments and ACH withdrawls. I have also filed a complaint with the FTC and my AG. One more question, where can I get the form to give to my employer to stop them from giving them any further information

When making your complaints, especially to the FTC, make sure to reference the stipulation in place in the FTC v. Payday Financial, et al (Western Sky Financial).  I read it again last night and it goes for not only WS but also anyone who services/collects on the debt which would mean CC.  The only way we are ever going to make any progress is to report, report, and report again.  I would also send WS and CC a letter reiterating that you revoke any and all wage assignments that you may have signed and that you prohibit them from contacting your employer, your references, etc. 

The local courts in my state or in the state they are based in. Would I look for it under Cash Call or the collection agency? How do I go about doing that?