need advice

PDL lending is illegal in your state. I think it was an online loan right? You only owe the actual amount borrowed. Send them a letter/fax/email stating that since PDLs are illegal in your state, you have already paid them more. Ask for a refund of $70 and a PIF.

Regarding garnishment of wages, they cannot do so. And, wage garnishment can be easily provoked.

How did it get to this point? Did you already close down the account they were taking drafts out of? Did you send the lender an ACH revocation letter using the the template found on this forum? If you used the template on the forum, it references the wage assignment that you may (or may not) have agreed to. Wage assignments can be revoked at any time and are strictly voluntary. A wage garnishment is put through with a court order, and cannot be doled out by a lender all willy nilly.

The template found on the forum also states, unless you modified or removed the verbiage, that the lender can no longer contact you by phone and any future correspondence must be done by mail. That should eliminate any future phone calls and threats. Present a copy of the letter you sent to these people to your employer so they know you opted out of the voluntary wage assignment and they should just simply disregard any and all requests from this illegal lender.


You overpaid on the loan, and thus you are due a refund. The loan should be reported as paid in full by the lender and any further collection activity should cease. You should have all of this provided to you in writing, upon demand and you should never accept no for an answer.