Starting to worry again....
Date: Wed, 10/31/2007 - 09:13
The most recent from Instantcash 911 who said that they were going to do either a wage garnishment or assignment. I told them that I was with T&C but they said that they didn't work with debt consolidation companies and that they could settle for $450, otherwise they would go ahead with the assignment and/or garnishments.
I looked at the contract and saw no mention of a wage assignement agreement, but still called T&C just to make sure. They reassured me that they couldn't do a wage garnishment just by calling and that is was most likely a scare tactic. However, the calls are still coming even though I know these places are getting their payments.
Is it normal for companies to continue to harass you even though I know that they are getting payments?
Did you revoke any wage assignments already? If not, you must d
Did you revoke any wage assignments already? If not, you must do this asap. It's different then a garnishment, and they don't need a court order to do it.
Thanks for the quick response. I haven't done that yet but I wi
Thanks for the quick response. I haven't done that yet but I will right away. I send a letter to them and to my HR department right?
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mz, type up the quick letter revoking any and all wage assignments you may have signed. Do it ASAP before they attempt to send something to your employer. Just to cover yourself. You never know what they might pull. And, yes, keep a copy, give a copy to your payroll person. Then email it/fax it/mail it certified to your pdl. This will at least cover you if they do indeed attempt this. Better safe than sorry!
Thanks Cannr. So far I have sent the letters to my payroll offi
Thanks Cannr. So far I have sent the letters to my payroll office and have emailed the loan companies. I will fax and mail the letters ASAP. Is it true that they can't go through with the wage assignment if you work for the state? I work for a state college.
And T&C hasn't gotten any returned payments so I'm assuming that they are accepting payments but are still trying to harass me for even more money.
WEll you have to be careful though...they can be accepting T&C p
WEll you have to be careful though...they can be accepting T&C payments and not agree to their terms and conditions. places like this can take you anyway they can! Do have something in writing that stipulates that Instant cash 911 accepted T&C's agreement? that's important and you're already on that letter which is good. I didn't know there was a difference between wage assignments and garnishments, that's great to know. Even if they have accepted T&C's agreement, they still have the right to try and collect over and above the payments through T&C but that doesn't mean you have to give in to that. I'm interested to see if they accepted the terms and conditions of T&C
Also, I know that when i was in a similar situation...not all of my creditors agreed RIGHT AWAY to the terms and conditions but accepted my company's payments anyway. thankfully I didn't have a problem but that's something I learned to watch for
Well I just got a call from my payroll saying that they would st
Well I just got a call from my payroll saying that they would still honor a wage assignment even though I sent the letters.
Lovely....just lovely. Any other suggestions?
Does your payroll department understand that a wage assignment a
Does your payroll department understand that a wage assignment and wage garnishment are two different things. A wage assignment is volutary for the employer to uphold, a wage garnishment is court ordered and they have to follow?
Once your HR sees a wage assignment, they will know exactly what
Once your HR sees a wage assignment, they will know exactly what it is!
If this actually happens and you have trouble with HR, please pm me..I can help! I am HR and can give you some pointers on how to deal with this situation.
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mz, oh my God. Please, please, please contact fins as posted above. She knows her stuff regarding HR. Wage assignments are voluntary. Wage garnishments are court ordered. Your company stated that they would honor a wage assignment? Even after you have revoked it? Please, please, either post so fins can answer any questions for you or send fins a pm and she can help you further.
cannr, you'd be surprised! 3 times I have had to email members o
cannr, you'd be surprised! 3 times I have had to email members of this site information to give to their HR proving that they must revoke the assignment, If the assignment followed absolute correct protocol, then I could see the hesitation, but they never do!
these are so common lately, we actually had a little training session about them! There is a certain way they must be written, or we are not supposed to honor them regardless of whether the employee revokes them or not! I have gotten probably 15 from rent-to-own places in the past 6 or 8 months..Maybe 2 of them were correct. For example, it must say WAGE ASSIGNMENT in bold type as a heading. Debtors name, address, account number or ssn must follow. The name of the company and amount of the debt must be in the first 3 paragraphs..I'm telling you, they are rarely even done properly!! Don't worry, they can always be revoked!
Wage assignments are voluntary no matter what state you live in.
Wage assignments are voluntary no matter what state you live in.
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fins, amazing! I know the wage assignment that CTC tried to pull on me was soooooooooo not the "legal" way. It was actually kind of funny reading it after I had my initial heart attack! I am so glad that you can help these people. And I am so glad that you are informed. What's up with these HR people being clueless? Now that honestly scares me.
And in most states, the spouse has to sign and the HR dept has t
And in most states, the spouse has to sign and the HR dept has to agree to the wage assignment as part of the contingency of the loan.