USA Cash Express

Ask your bank to put your account on a "deposit only" status to prevent any further debits. Also, if you've overpaid, ask the bank to reverse any of the debits that took place after you met your principal balance. Also, they should reverse any fees associated with those particular debits. Finally, once you get the account back to a zero or positive balance, close it.

Thanks. Well, I didn't have to worry about requesting the ach block on my account. I guess my bank got tired of the constant overdrafts and they returned all the ach's that tried to post to my account. I am no longer eligible for the overdraft protection. This is fine in my book. This is giving me a breather and opportunity to work with the collection departments. I also canceled my direct deposit and my husband's. We don't have to worry of it hitting my bank and then those PDL's eating up our pay. They only bad thing is they also returned our electricity payment. I called them today and they are willing to work with us. I've never been late with them nor had a returned payment in the 8 years I've been with them. Just a few more months, I'll be in clear sky's!!!

Hi OhioGAL1,
I just finished chatting with USA Cash Direct/Payday Loan Yes. They refused to allow me to make arrangements on the principle($350) less payments already made (-$105.00)to them. The rep said my only option is to pay the lump sum amount ($590). I did inform them that that was not acceptable and that my offer stands and that I will be forwarding all my information as a complaint to the TX Office of Consumer Credit Commissioner. Obviously, they didn't like that and the rep threatened that he will be contacting my employer. What an idiot!!! TX is a non-garnishment state. You can only be garnished from the IRS or Child Support in the state of TX. I worked on HR/Payroll for 10+ years. Anyway, he disconnected the chat before I could burst his bubble. Now, they are refusing contact with me. What are my options? Just send in money via money order??

Frankly, I wouldn't send them a penny more. I would resend your original email with your terms of repayment once every couple weeks. If they don't agree to your terms, they don't get anything. Period.

Did you revoke voluntary wage assignment in your original email/letter? If not, I suggest you do that and give a copy to your employer. Although TX is non-garnishment, what these places usually have you sign is a "voluntary" wage assignment. I'm not sure how that's treated in TX but I would revoke it and give a copy to your employer just to cover that base if needed.

Yes, I did revoke wage garnishment. According to TX Payday law:


Deductions for voluntary wage assignments, i.e., for things that benefit the employee, may take an employee's wages below minimum wage, provided the employer does not profit thereby (includes such things as employee contributions to a health or retirement plan (see 29 C.F.R. 531.40(c)) and FOH, Section 30c10(a)).

Employers in Texas are under no statutory obligation to honor voluntary wage assignments (see Reef v. Mills Novelty Co., 126 Tex. 380, 89 S.W.2d 210 (1936), in which an attempted assignment of a sales employee's commission pay did not bind an employer whose contract with the employee prohibited an assignment of commissions without the employer's consent). An employer may be under a contractual obligation to do so, however. That would be the case if the employer had contracted with a third party, such as a health care insurance provider, to deduct wages for insurance plan contributions and remit them to the insurance carrier in return for coverage for the employees. That is not the case, though, if the employer's company had no prior business relationship with the beneficiary of the assignment, for example, a payday loan company that makes a short-term loan to an employee. In such a case, it would be optional on the employer's part to comply with the wage assignment. If the employer refused to comply with the wage assignment, the alternative for the payday loan company would be to go to court against the employee and seek to enforce its rights in a civil lawsuit.

This type of deduction must be authorized in writing by the employee to be valid under the Texas Payday Law. Below is the State of TX Workforce Commisions Website where this information came from.

http://www.twc.state.tx.us/news/efte/allowable_deductions.html