Sonic Payday--Wage Assignments

Hi Kathy

Welcome to the forums.

Before a wage assignment is served to your employer, the notice about this action will be sent to you. And you will also receive the exact copy of this wage assignment after you have signed it.

A wage assignment is legal only if it meeting the following requirements. It must feature the following facts:

• It should be signed by you.
  
  
• The date when signed should be printed
  
  
• It should contain the name of your employer
  
  
• It should figure out the amount you owe.
  
  
• The rate of interest needs to be set forth or the difference between the cash price and the price if a timeframe has been given.
  
  
• The payment due dates should be mentioned.
  
  
• It should print your social security number
  
  
• It should contain the term "Wage Assignment" printed in bold letter. It is at least ?? inch in height and should be written at the top of the assignment paper as well as below the space of your signature.
  
  
• You should receive the exact copy of the wage assignment at the time when you have signed it.
  

When they presented the wage assignment to my employer, it was taken in full. On the paperwork, it reqests the balance be paid in one transaction. There is a few pages in the paperwork that I received and on one of the pages towards that back of the packet, it also does state under the question 3 "What if the customer doesn't earn enough for the deduction in full? Although the Wage Assignment does request payment in full, we are flexible and will accept the maximum that can be deducted." I would contact your payroll department and see you can work something out. My employer did check to see if this wage assignment was valid, they stated to me it was. I didn't fight it cause I just wanted to get it paid and done with. I hope this helps.

I haven't actually received anything yet. I just know that the last time I spoke with them (last week), they said they were going to do a wage assignment. Then they left a message on my supervisors answering machine. If it is a voluntary wage assignment, I don't think I am going to fight it. I think I will let them take it, since this seems to be the only way they will take it. It seems to me that it would be a lot less trouble on their part to accept two payments instead of doing a wage assignment. I just want to clear this up. After I get this cleared up I will stay as far away from them as possible.

Kathy, if you give your money like this as you said, they might again contact you for the same amount. Then, what will you do? You have not received any notice from them and you have your payday next week. You are not disputing it although it has not been served to you legally.

A legal wage assignment should cover the following points mentioned above. The ultimate effect should be seen in your credit report. Get it in writing that they will update your account with the bureaus so that your future lenders get a good view of your file.

Kathy,

If you want to clear this debt, you might like to do it in legal terms. If you don't have a proper basis, the creditors might offend you later

The wage assignment has not been placed to you in legal terms. You have the legal rights to revoke it as it is not framing the required revocation language. It means that the creditor has violated both the federal as well as the state laws. Upon revocation, you will also be able to stop all the collection from your employer.

Now it's upto you, how you take it. Best wishes.

Well, I haven't received any notice from either Sonic or my payroll department about a wage assignment. I guess I just have to wait and see. I did send them a letter (email and fax) offering them payment arrangements. I haven't heard back from them yet.