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Ameriloan threatened to garnish my wage – what to do?

Has anyone dealt with ameriloan? I just got a call from them that says I defaulted on a loan from March and they were reviewing the account at 5 pm today. I told them I thought it had been paid and he said it hadnt. I asked if I could call him back tomorrow after I have time to get home and check. He told me I could but I had to call back first thing and pay it off or they would fax the info over to my HR to have my wages garnished. He asked if I had ever been to court for nonpayment of a debt and if I currently was having my wages garnished for anything. Also, if my HR department was in this same office. I told him I had not been to court and was not having anything garnished and I was the HR department. He said thats fine I will just have to verify your income if I dont hear back from you and he would fax that over to my HR dept. My question is, I really think its paid, but if it isnt and I havent heard anything from Ameriloan payday loan. (I swear I havent) Can they call me up out of the blue and have my wages garnished that quickly without ever having notified me? If it really isnt paid. I will be more than happy to pay it but I wont be able to pay it in one amount.




4u.bryan
Posts: 820
Credits: 21741.1

Sub: #1 Ameriloan can't garnish without legal proceedings
Wed, 09/14/2005 - 11:36

Welcome Guest!

Quote:
Can ameriloan call me up out of the blue and have my wages garnished that quickly without ever having notified me?

Wage garnishment by Ameriloan payday loan requires legal proceedings and no one can garnish your wage without court papers. Read the forums discussion on wage garnishment
http://foru ms.debtcc.com/forums/garnishment-info.html

Quote:
I really think it's paid, but if it isn't and I haven't heard anything from this company

If you are not sure whether the account is paid, you can check it from your credit report and if the report shows that you really owe some part of it, it's better to pay it off as you said. You can try a consolidation program to make the repayment process easier.

If you have any more queries, please ask in the forums or call ameriloan phone number.

Regards,
Bryan

Pay off debt and enter a debt free life.




Rhonda28
Debt Samaritan
Posts: 411
Credits: 24798.45

Sub: #2 Check your bank statement for Ameriloan phone number
Wed, 09/14/2005 - 16:32

Guest,

Another place that you would want to check, would be your bank statement. Check around that time to see if the loan had been paid off. I am slowly paying off my payday loans and I defaulted with Ameriloan payday loan two months ago and haven't heard anything not even a phone call. I don't even know how to get in touch with them.




chmartinbaby06
Debt Samaritan
Posts: 381
Credits: 21108.6

Sub: #3 Defaulted ace cash advance - ameriloan payday loan
Wed, 09/14/2005 - 20:25

Guest,
I have defaulted with a loan with ace cash advance - ameriloan payday loan but the only thing that they do is send me letters along with the other four payday loan companies!My suggestion is that you look back and see if they ever sent you a letter in the mail and do what Rhonda said and check your bank statements!but if everything clears then you can justify that and you should be able to clear it up if it is a minor mistake on their part!




Unregistered

Sub: #4 Ameriloan phone number not on my credit report
Thu, 09/15/2005 - 03:04

Ameriloan not on my credit report and have I looked back on my bank stament and it appears they only took they first finance charge out before I changed bank accounts. So I guess I really do owe it and I have no problem paying it. I just won't be able to pay it all at onc. I've got to call them back this morning. Hopefully they guy will be able to work with me on it. I also looked back and have received nothing in the mail from them. I just don't want ameriloan payday loan faxing anything over to my HR department today. He sounded like he was ready to take it to court yesterday at 5. Now I'm worried.




roxette
Posts: 4009
Credits: 55989.6

Sub: #5 Send payment plan to ameriloan payday loan. Phone number cal
Thu, 09/15/2005 - 12:23

I will suggest you to send a letter about a payment plan along with some money in advance to ace cash advance - ameriloan payday loan. It will show that you have every interest to pay the debt but all that you need is some reasonable time.

Regards
Roxette

Debtconsolidationcare offers free counseling and help, please avail the services before taking any major decisions.




Rhonda28
Debt Samaritan
Posts: 411
Credits: 24798.45

Sub: #6 ameriloan payday loan will work with you. Call their phone n
Thu, 09/15/2005 - 19:29

ace cash advance - ameriloan payday loan will work with you with a payment plan. This is one of the few that will actually do a payment plan. Just make sure you get everything in writing and always save proof of payments. Also call their phone number. :)




elisia_louise
Posts: 56
Credits: 3319.4

Sub: #7 Ameriloan phone number
Thu, 10/06/2005 - 11:00

Is ameriloan a fare company. I have a loan out with them, United Cash Loans and Cash Today Ltd. Do they offer payment plans? I cannot seem to find any phone number for them anywhere. Please advise




ben
Debt Samaritan
Posts: 2034
Credits: 42636.2

Sub: #8 ameriloan phone number 800-279-8511
Thu, 10/06/2005 - 13:30

Hi elisia

Welcome to the forums. Contact Ameriloan phone number at 800-279-8511 and express your desire to set up a payment plan for you. Your practical experience with them will give you an idea about their business performance.

Various posts about the performance of ameriloan have been posted in this forum. You will get more information about them.




elisia_louise
Posts: 56
Credits: 3319.4

Sub: #9 ameriloan phone number surely call
Thu, 10/06/2005 - 13:37

Thank you Ben I will call ameriloan phone number and update on their professionalism!!!!! :?




Unregistered

Sub: #10 Ameriloan phone number?
Mon, 10/17/2005 - 11:36

Is there a telephone number for ameriloan? I've done an entire search of their website and cannot locate one.




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