Sonic Payday--Wage Assignment Process

Well, on top of the letter saids Wages Assignment, and the rest of it was like your employee has borrow a loan from us and the loan now is in default state and the rest of it is agree to the wage assignment and of couse had my DIGITAL Signature and a sign witness's signature that i couldn't even read. The person that i was talk to wasn't in the payroll department, she was in auditor-controller department and she suppose to be the one in charge of everything. She was telling me like this ( If i were you, i got a good job,i shouldn't borrowed any money from any one or even online), unreal. She wouldn't even let me talk or explaining to her about my situation. She saids as long as it has my signature on the letter that CTC send it to payroll, she will honor it unless her supervisor or manager told her not to, and it will take effects on my next paycheck which is on the 17th of this month.

Oh, not to mention that she saids i did borrow money from CTC so it's my responsibilitity to pay them back. BrownSugar, to answer your question about the fax. Carolyn(Auditor-Controller), she wanted me to contact CTC and have them signed and fax the letter to my payroll department that i either paid CTC off and that they will longer doing wages assignment. That's what Carolyn wants. Does this make any sense??? This is Sheriff Deparment people, i don't see my payroll department follow any laws and orders here.

Sammi, I can help you with this..pm me.

are wage assignments voluntary or can the company do what they want? I am kind of confused on this issue/

Wage assignments are voluntary and they can be revoked at anytime :D

What happens when a company is going to do a wage assignment when you have no idea who they are and you now that they are not licensed in your state?

Give your payroll department a revocation letter stating that you are revoking your voluntary wage assignment against any company that might try to attempt one. Just make sure that your payroll department knows the revocation letter is for any company :D That's what I had to do :D

Swoozyqz30---

Here is a copy of mine, but you will have to word it differently because mine is in regards to Ohio laws and I don't know what state you are in.

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Thanks brownsugar. I'm in the state of california.

federally, wage assignments can be revoked since 1986. The most imporatnt part of this is the letter of defense which needs to be sent to payroll.

I work in HR, and I'm seeing more and more of these come through. They are junk, and usually follow improper protocol. They are sneaky, and I hate them, as they are time-consuming and require more paperwork then a garnishment (sorry for the rant). Anyone who needs help with a letter of defense feel free to pm me.

aren't wage assignments illegal anyway? Someone sent me a message saying that the feds made them illegal

NO!!! They are NOT illegal.

There are such things as court appointed wage assignments, and anyway, a lot of sub-prime companies use them..and correctly follow protocol..as means to collect. Wage assignments are perfectly legal, everywhere in the US. They are just VOLUNTARY, unless court appointed, and that is not the same as a garnishment.

Fins, here is something I found on paydayloan.org

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Tammy,

I think that statment means that the way some PDL companies use them do not follow proper protocol and therefore, are void and unenforceable. For example, there may be a clause or short paragraph in the PDL contract that states they have the right to utilize wage assignment, but from my understanding, in order for it to be valid, the wage assignment must be a separate contract and must carry a physical signature by the consumer. Someone stop me if I am wrong.

You are right. It does have to be physically signed. I thought where it was prohibited that it meant they were illegal. These wage assignments are being used, and some employers actually accept them. IMHO, I think they should completely be done away with and not be used by anyone. Once again the pdl industry has cause an uproar with something that means nothing with a digital signature and a stamped scribbled name like Sonic uses.

Tammy,
I think it's worded funny...Basically, mandatory wage assignments are illegal, but voluntary ones aren't. So...It can't be forced, but if you agree to it it's ok.

Confusing, isn't it. I have been in my current job for 6 years, and these nasty things have only started popping up in the last year. Can you beleive I've never handled one for a PDL? My husband has my job in a different company, and he has seen a few for PDLS.

Oh I hate these things, don't get me going on them!!

Can someone tell me what my rights are with the pdls who are threating to do wage assignments and they are not licensed in my state. i had a few call and i have asked for something in writing and proof the company is licensed in my state and I have not heard anything from them at all.

You need to revoke your voluntary wage assignment which may have been in your contract. If you revoke this, they can not garnish your paycheck. Have you filed complaints with your AG? If not I would do this also. You should usps, fax, and e-mail your revokation of the voluntary wage assignment. Which companies are you dealing with?

The general rule is that voluntary wage assignments are permitted in credit agreements so long as they are revocable at any time. (Source 12 CFR ???? 227.13) However, individual state laws can bar their use in credit agreements, and some, such as Texas, have done so. Others, such as Utah and Ohio, have statutes that largely mirror the federal regulation (i.e., that they must be voluntary and revocable). As far as I can tell, only Illinois has affirmatively approved them as part of their payday loan legislation, but even there the federal rule would apply for loans made in interstate commerce.

Thank you Steelers1. I will get the letter out. Could you tell me where I could find a copy of the letter so that I can get this out asap. Also, I will file a complaint with the AG's office here in RI.

Thank you for your help.

Thanks for the clarification on this. I understand a lot better from all of the recent posts.

I need to find a good copy of a wage assignment revocation letter with all the proper terms in it. I live in RI so any help right now would be greatly apprecaited.

Thank you

Go here http://forums.debtcc.com/forums/wageassign-legal.html

You will know the requirements to be followed in the wage assignment process and a sample letter to revoke it. Read the terms and conditions in the contract signed with the company. If it mentions about wage assignment, it is completely voluntary and you can revoke it by sending a letter to the company and a copy to your payroll department. Send the letters through certified mail so that you have the evidence and the company doesn't try to deduct money from your payroll.

Has anyone heard of Westbury Ventures/Broadmore Ventures they have been emailing me saying that I owe $350.00 but they won't tell me who the debt is for and I asked them to mail me something and they told me to stop stalling they have enough information to proceed with further action. Just wondering if anyone else has had problems with them. I am not sure what else to do with them. I am looking for the wage assignment revoction letter. The link above does not give me that.

I'm dealing with Sonic and would like to know if anyone knows how long it takes for them to actually send the wage assignement??? and if it is by mail or what?? and do I get a copy before my employer?? thanks

I just checked and I guess this loan was with B & L Marketing. I checked them and Westbury out and neither of them is licensed in nevada. Does anyone now where B7 L is.

It's there in the third post from the top, Swoozyqz. Check once again. Ok, I got this sample letter from there.

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thank you flyingcats.

could someone tell me where I can find the laws in RI on wage assignments. thank you.

Swoozy, read the fine prints of the contract that you signed with the lender. The term "wage assignment" will be clearly mentioned in it. A legal wage assignment will appear in the following way. Check this link

http://forums.debtcc.com/forums/wageassign-legal.html

It is a voluntary contract and can be revoked by you anytime. You have to send a revocation letter to the lender and a copy to your payroll dept. They should be informed about your intentions so that your payroll doesn't allow any debits by the lender. The laws on wage assignment are almost same everywhere. Contact your RI attorney general for any queries. Their website is http://www.riag.state.ri.us/

I just contacted Human Resources and she told me that they can since I am a federal employee.

You and Me:
Notify your payroll dept IMMEDIATELY that you revoke this wage assignment. Depending on what state you are in, usually the only way you can be garnished is through a court decision--with some exceptions, most notably taxes, child support, etc.

Vernon--

Explain to your Human Resources and Payroll Dept. that it is a VOLUNTARY wage assignment and that it can be revoked at anytime.

Dose anyone have a fax number on them???

keisha--

I have a fax number for paydayavenue. You might want to give it a try b/c I believe Sonic, CTC, and Paydayavenue are all the same, just different dba names.
Fax# (866)276-3587

Address on Sonic?????

hey guys i gave my payroll department a copy of the revoke letter, i have cash transfer center already they will not be able to get any money out on the 8th when will they be calling me. and how long before they sent the wage assignment for. i will be dealing with this next pay period along with cash advanceusa.

so if i sent a revoke letter to my company they should not take any thing out right, or what?

You need to send the letter to CTC and give a copy to your payroll. Most payrolls don't honor these. Once CTC sees that they will get no where, then they will turn it over to a collection agency. More than likely they will call as soon as they find out they aren't getting any money. They will try and debit the account even after they get notification that they can't withdraw funds.

Send a letter to Cash Transfer Center and a copy to your HR dept revoking the voluntary wage assignment. Since the assignment is voluntary, then nothing should be taken out of your pay check. Check your state law, I know in NC, you can not garnish wages without a court order. I don't think CTC will go that far.

Okay,has anyone actually had sonic take their wages using the voluntary wage assignment process. I know they've threatened it but has it ever actually happened? I'm concerned because I have a loan in default with them.

Hi guest..

Yes it has happened..Sonic doesn't like to play nice. Make sure you revoke the assignment with Sonic and payroll, and you won't have a thing to worry about.

Fins is totally right!
In my case, I was lucky enough in that my company doesn't do voluntary wage assignments and sent the form back. In fact, they've sent so many back that Sonic stops sending them!
So what you MUST MUST MUST do is stop that wage assignment--and do it TODAY if you can!

Absolutely!!!

Don't waste any time, because they are perfectly legal..And while a lot of companies don't honor voluntary deductions, some do...Don't mess around, beacuse they take it all at once, not in payments like a traditional court-ordered garnishment.

And I nominate Mary Lou Odom, our company's garnishment supervisor, for DCC Hero of the year! Why, because she sends Sonic's sleazy paperwork back marked return to sender!!!!!!!! SaaaaLUTE!!!!!!!

That's awesome!! Way to go Mary Lou!!

Do any of these companies, gfsil, integrated financial, mte, or webpayday do wage assignments. If so does anyone have addresses on these people where i can send revocation letters or can they be faxed.

Correct me if I'm wrong, but I think that Sonic, Payday Avenue, Cash Transfer Centers and Northway Debit are the only companies that use this. However, it wouldn't hurt to send letters off to these other companies to make sure that all of your bases are covered. I would do it anyway.

Can anyone tell me where to find a legal source for the info on wage garnishments listed at the beginning of this topic. CTC finally sent the letter over and I'm working with my HR liason, but she needs some legal resources and I've been searching the web, but the first thing that always comes up is this thread--lol. Most of the sites I've found do not have as detailed of information as given on this forum.

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Pls, help me!