Wage Assignment HELP

Wage assignments are voluntary and, if you didn't sign it in person, it's not even valid. Talk to a manager in the payroll department. You can revoke it at ANY time. Did you give your payroll department a copy of your letter stating you revoked the voluntary wage assignment? They need a copy with the date you revoked this. They may be able to get that money back.

The only way they can garnish your wages is with a court order.

Is this even a legal lender? What state are you in? What this a storefront or an internet loan? How much did you borrow? How much have you paid so far (not what they say you've paid toward the principal but the actual dollar amount you've paid)?

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paul's advice is right on.. HR can get in serious trouble if they do not honor you revoking this.. keep us posted.

This has been such a nightmare. I'm so upset with my company. We are owned by a huge corporation now, who has made this so hard.

I contacted them and they told me I had to call our payroll place, so I called them. They said they will not take it off until IPS calls them and tells them to, it's the only way they can. I was in tears the last time I talked to them, they WONT LISTEN. i HAD them fax it to me, and they sent me the paperwork, and it ALL clearly shows it is NOT A GARNISHMENT!

I have emailed 5 people in the corporate big office, in payroll and HR and no one has bothered to even acknowledge the issue. I've said if it's not fixed by this Friday I'll need to get my lawyer involved. Nothing.

I dont know what else to do. I cant really afford a lawyer, but I'm VERY upset with my company and IPS over this.

From what I gathered, no IPS is not legal and they refuse to give me any information on their licensing. It's an internet loan, and it's not very old. I haven't paid anything on it--well that they received yet. They wouldnt give me a street address until just the other day, and the keep changing the amount i owe. I went and got a money order the other day to send and then found out this. They sent the wage assignment in at the end of December---- but were still calling me last week about their money, and I hvae in email they are requesting $225, even though this wage assignment asks for $475.

So you provided your HR department a copy of the wage assignment letters you sent IPS, and they STILL disregarded it, despite your concerns that IPS is an illegal lender? I'm afraid that seeking legal representation may be your only recourse. Keep us posted and let us know what happens.

agreed, maybe remind them what they did is highly illegal and can jeopardize their job? seriously, this is not a court order garnishment, it is a wage assignment that can be revoked anytime.

i would still look into a lawyer to sue your company.if what is happening is true one will sue them on a contingency basis.meaning your company will pay his fee when you win.which you will.do not take this lying down.there will be a couple of business lawyers that will do this for you with no out of pocket money by you.look into it and let your bosses know you are doing this.it might help avoid you taking fuurther action.

I finally heard from our payroll VP. I was very disappointed with the HR manager, who forwarded the email to the VP and said she didnt know what to do, and if we could look into it (if we should)? What do you mean IF WE SHOULD, they are taking my wages!

The email I received today from the payroll vp said they stopped the wage assignment and they arent going to send them the money (however I dont have the money, so where the hell is it), and they were going to investigate and see if this document was legitimate.

My concern is - what does it matter if they had some sort of legitimate document? It's not court ordered, so they cant keep that money from me if I say no, right? Am I way off base here? I feel like they are telling me anyone can "electronically" sign my name to a wage assignment, send it in, and have my money!

Furthermore, this wage assignment (they gave me a copy today) is strange. Where it has my "ESignature", the wage assignment says like "I allow for the original loan amount, the interest fees, a $25 NSF fee", etc. That wasnt there when I signed- obviously, because they didnt know about needing to charge an NSF fee. So how is it okay that they changed it? And I was never given a copy to begin with.

Ever since they did the wage assignment, IPS has not replied to any email or answered any call I've made. I emailed for the last time toda yand said the wage assignment was stopped, and now that they've given me their mailing address (they emailed January 14th wanting money, but yet they had already put in the wage assignment!), and if that wasnt good enough, they could see me in court and get a LEGAL garnishment.

your HR is still wrong.. even if it is legit, you can still revoke it at any time! I actually would forward the unproffessional email back and let them know that. they can seriously lose their jobs over this.

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Shazzers, I tried to find something specifically based to Tennessee State Law for an assignment and couldn't find very much to be able to spout back.

I'm still agitated that they still have my $$. They said they didnt give it to IPS, so...when the hell do I get my money back! $217 is a lot right now, that's my car payment!

Try the link below:
http://www.tsc.state.tn.us/index.htm

Thanks everyone!!! My employer told me today they decided it was a "voluntary deduction" and our company "doesnt allow" those. Funny, someone still let it go through! They held the money instead of sending it to IPS, and they are putting it in my bank account tonight.

I'm going to take care of IPS, but they are kind of low on my priority list since they aren't legal! Last time I heard from them they threatened to take my tax return, or get a local lawyer to take me to court. LOL. They havet replied to anything I've sent in the past week -- since they think the assignment went through and they are getting their money that way. I already told them they ARENT.

they "decided" heh.. not to be mean but i hope that person gets into at least a little bit of trouble.. if you did not know the laws, they could have drained you out of all of your money!
i am glad it worked out though :)

I wouldn't put it past IPS to try to go after people's tax returns. If they did in fact take someone's tax return, wouldn't that warrant criminal charges?