Wage assignment from PLS!!!! HELP!!!!

Date: Wed, 02/06/2008 - 23:33

Submitted by suchalady2769
on Wed, 02/06/2008 - 23:33

Posts: 4 Credits: [Donate]

Total Replies: 3

I got a payday loan from PLS (payday loan store) in waukegan on grand ave for 800. Well they made it into 2 loans which made it impossible to pay because it was like I was getting charged way more... I sent them a letter t to tell them a bad situation got worse and I couldn't pay them the full amt and could we come up with a payment plan.. They never got back to me.. Just last week they sent in my checks and needless to say they bounced.. Now they have sent a wage assignment to my employer who said I had to take care of it within 2 weeks or by law they have to garnish me.... I don't know what to do... We have currently fell on really hard times, we lost our apartment in sept, took the loan out at the end of november in order to try and get another place (we have been living in a hotel room since sept, which is extremely expensive but we have no money to save and nowhere to go in the mean time) we thought we were going to get approved for an apartment who had a move in special we got denied ( bad credit) and had to pay for the hotel ( currently 300 a week).. I don't know what to do.. I don't want them to take money out of my check like that, I'd rather set up a payment plan that I can afford, which is not much...what can I do?? I'm very lost i dont know anything about any of this, it was a dumb thing but i cant change it now....please help!!!! any advice or knowledge that someone knows can you please tell me what i can do to prevent anything else horrible from happening.. in tired of taking one step forward and 10 back!!!! please help!!!!

for a garnishment they need a court order, so they need to get y

for a garnishment they need a court order, so they need to get yiou to court. A wage assignment is voluntaery and can be revoked at any time. Your employer shoulod not honor an assignment

lrhall41

Submitted by kashzan on Thu, 02/07/2008 - 02:40

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suchalady, this is the EXACT post you posted on Jan. 16th and got responses to. That was almost one month ago. You received answers to your plea and also you stated you were typing out a letter. What is the situation now? Did you receive this letter of wage assignment one month ago? Did you type out a letter? Please clarify.

lrhall41

Submitted by on Thu, 02/07/2008 - 05:03

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suchalady I was faced with the same dilemma not long ago. Please

suchalady I was faced with the same dilemma not long ago. Please send them a letter and revoke all wage assignments you may or may not have voluntarily signed when you applied for this loan, and make sure you give a copy of it to your employer, pronto. This will stop the wage assignment immediately. As far as the garnishment threats, they can and probably will attempt to do this if you do not work out a payment plan with them, but first they will have to take you to court to get a court order. It is important that you stay in contact with them (the store front). If they won't agree to some type of payment plan prior to taking you to court, make sure you GO to the proceedings, the chances are the judge will encourage them to set up a payment plan for you in court. Oh and, if I were you, I would put in writing, and even mail it certified returned receipt offering a payment plan. This way you will have proof in court that you made attempts to pay this debt. Good luck. :) What state are you in, by the way?

lrhall41

Submitted by Shazzers on Thu, 02/07/2008 - 08:21

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