Wage Assignment/CashTransferCenter | DebtConsolidationCare

jeoestreich · 2008-12-30T16:35:14-08:00

So there was a "garishment" from my paycheck and it was Northway Finacial aka CTC. I emailed my payroll awhile ago saying that I revoked all volutary wage assignments but they still took it out. I called payroll and they still have the money because they really do not know what to do. Is there a legal website saying what makes a wage assignment legal and what makes it illegal? I refaxed the revocation letter wage assignment to CTC but my payroll said that they need something from them saying that I revoked it. What can I do to get my money back? The payroll guy said that they are not going to send the money anywhere until they figure out who it legally is.

The Federal Trade Commission's Credit Practices Rule prohibits a

The Federal Trade Commission's Credit Practices Rule prohibits any mandatory wage assignments, which some lenders' contracts use anyway.

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lrhall41

Submitted by Shazzers on Tue, 12/30/2008 - 16:53

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You should be able to find that information on the FTC site, the

You should be able to find that information on the FTC site, then you can print it out and take it to your employer. Sheesh, they aren't very well versed in the laws, are they? :shock:

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lrhall41

Submitted by Shazzers on Tue, 12/30/2008 - 16:55

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The payroll guy said that he could have our legal department loo

The payroll guy said that he could have our legal department look over it. I just ready to give up. It is one thing after another right now.

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lrhall41

Submitted by jeoestreich on Tue, 12/30/2008 - 16:59

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So I am looking on the FTC website and I cannot find it. Can an

So I am looking on the FTC website and I cannot find it. Can anyone help me with this. I will continue to look.

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lrhall41

Submitted by jeoestreich on Tue, 12/30/2008 - 17:06

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So they are still treating it as a garnishment, is there anythin

So they are still treating it as a garnishment, is there anything else that I can do to get my money back?

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lrhall41

Submitted by jeoestreich on Mon, 01/05/2009 - 10:29

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Here ya go, it's right under waiver of exemptions. http://www

Here ya go, it's right under waiver of exemptions.

http://www.ftc.gov/bcp/edu/pubs/business/credit/bus04.shtm

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lrhall41

Submitted by beli2005 on Mon, 01/05/2009 - 10:53

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Thanks, I emailed payroll with that also. I am thinking about e

Thanks, I emailed payroll with that also. I am thinking about email the AG and seeing what they say about it. It is just so fustrating at this moment. The money is still at the company but they just do not know what to do about it. They are treating it as a regular garnishment and not a wage assignment.

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lrhall41

Submitted by jeoestreich on Mon, 01/05/2009 - 10:59

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Why would any company treat it as a garnishment, without proof f

Why would any company treat it as a garnishment, without proof from the courts? It just doesn't make sense. I would think that it would have to come from "District court of.. whatever sate" to be an offical garnishment. Can you also Have your court send you a letter stating you have no garnshments issued? Would that help?

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lrhall41

Submitted by beli2005 on Mon, 01/05/2009 - 11:06

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Yeah, that is an idea. I do not know why they are treating it a

Yeah, that is an idea. I do not know why they are treating it as a garnishment. It is driving me nuts. What court would I go through? I live in Wisconsin but I work in Minnesota.

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lrhall41

Submitted by jeoestreich on Mon, 01/05/2009 - 11:17

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I would try both of them. I would start with the clerk of court

I would try both of them. I would start with the clerk of courts for your District. Wiscosnin also has an online Ccap search where you can see if you have any oustanding items with the court, state wide.

Ccap:
http://wcca.wicourts.gov/index.xsl

I'd also do one in MN just to cover my butt, i'd start with the clerk of courts for the district that you would live in. But Garinshments have to be entered (I think) with the state that you live in.