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Western Sky/Cash Call



josulo

Posts: 15
Credits: 534.25
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Sub: Western Sky/Cash Call
Tue, 08/01/2013 20:39

I was informed today by my employer that Western Sky/Cash Call sent in a employment verification form to start the garnishing of my wages. My employer sent the form back.  The sent it through a collection agency called NRS, LLC.

I know they are an illegal company and I only have to pay the principal. Will they really garnish my wages? What should my next step be in this process? How long before garnishment will happen? I am at a loss and not sure what to do.

 



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kscornell
kscornell

Posts: 4283
Credits: 47273.260550976

Sub: #1 You need to find out who ownsSat, 02/02/2013 - 12:01



You need to find out who owns this loan first and then do business with them. Definately get all terms in writing. You have emailed your employer stopping any garnishments, which is a good thing, but I would also call your payroll dept., verify they got the email and get the name of the person you spoke with and document that. You can probably check your court's website to see if there is anything against you as well.



josulo
josulo
Posts: 15
Credits: 534.25

Sub: #2 Who do I get to agree to it?Sat, 02/02/2013 - 11:55



Who do I get to agree to it? I have three companies that are involved. If I get one to approve it the other two are going to come at me also. That is why I am asking. NRS knows nothing about Cuzco Capital



paulmergel
paulmergel


Posts: 15338
Credits: 127026.33475864

Sub: #3 none of the aboveFri, 02/01/2013 - 05:46



you don't pay anybody until they agree in writing to that amount.period end of story.


giving hope to the hopeless,help to the helpless,and hap to the hapless.


josulo
josulo
Posts: 15
Credits: 534.25

Sub: #4 In a nutshell...I questionedThu, 01/31/2013 - 17:37



In a nutshell...I questioned with Western Sky the validity of the loan I took out for 2600. They in turn sent me a letter with the usual that is it a legal loan blah blah blah. In that letter they stated at the end that Cuzco Capital Investment Management, Llc in Great Neck, NY now owned this and to contact them with any further questions.


I received a settlement offer from the NRS company on behalf of Cash Call/Western Sky saying that I owe $4,440.46 but they would accept $2886.30 and call it paid in full. I did the math and between the amount I borrowed and the amount I paid is $1825.83, which is what I will pay since that is what I owe. My question is.....who do I send the payment too?


- Western Sky/Cash Call where the loan originated


- NRS LLC who says they are working on behalf of Western Sky


- Cuzco Capital Investment Management, LLC who Western Union/Cash Call is saying now owns the debt.



HelpinAZ
HelpinAZ

Posts: 1774
Credits: 26970.785013894

Sub: #5 I would try where you live -Fri, 01/18/2013 - 03:59



I would try where you live - and your name, to see if you are being sued..


USA Payday Loan Laws
How to deal with illegal lenders, step by step instructions, courtesy of OhioGal
How to write a proper debt validation request, courtesy of SOAPLADY
How to deal with a Collection agency contacting you for PDLs, courtesy of Waffles


josulo
josulo
Posts: 15
Credits: 534.25

Sub: #6 The local courts in Michigan Thu, 01/17/2013 - 19:55



The local courts in my state or in the state they are based in. Would I look for it under Cash Call or the collection agency? How do I go about doing that?



HelpinAZ
HelpinAZ

Posts: 1774
Credits: 26970.785013894

Sub: #7 I would call the local courtsThu, 01/17/2013 - 04:12



I would call the local courts and see if their is a suit filed first, if not they are breaking the law.. I know that in the stickys in the top of the forums there is a thread by Waffles on how to deal with collections agencies - I would look there. 


USA Payday Loan Laws
How to deal with illegal lenders, step by step instructions, courtesy of OhioGal
How to write a proper debt validation request, courtesy of SOAPLADY
How to deal with a Collection agency contacting you for PDLs, courtesy of Waffles


josulo
josulo
Posts: 15
Credits: 534.25

Sub: #8 So I recevied another callWed, 01/16/2013 - 20:02



So I recevied another call/message from Ms. McCarty at NRS, llc yesterday stating they have talked to the person that from my employer who signed the form and that there is a 72 hour turn around for this to start. I proceeded to call the FTC and my AG regarding this and they all said that there has to be a judgement against me in court for them to start teh process and that I should have received papers in the mail. They didn't really give me any help regarding the next step after it goes to collection agency. I tried to have them help me figure out how to stop this from proceeding and all they woudl tell me is that I should get an attorney. I cannot afford an attorney and am at a loss of what to do now.



HelpinAZ
HelpinAZ

Posts: 1774
Credits: 26970.785013894

Sub: #9 A copy of the letter you sentThu, 01/10/2013 - 14:02



A copy of the letter you sent to them should work - it states that you are revoking ACH and wage assignment.. your employer can not give out your information with out your consent - unless it is for debt to the government like taxes or student loans - I just verified this like 10 minutes ago with my own payroll department.. Let them know that you have been a victim of fraud and you need to be alerted if anything does come in so that you can report to the FTC.. 


USA Payday Loan Laws
How to deal with illegal lenders, step by step instructions, courtesy of OhioGal
How to write a proper debt validation request, courtesy of SOAPLADY
How to deal with a Collection agency contacting you for PDLs, courtesy of Waffles


josulo
josulo
Posts: 15
Credits: 534.25

Sub: #10 I have sent them an emailThu, 01/10/2013 - 13:00



I have sent them an email stating that I am recoking all wage assignments and ACH withdrawls. I have also filed a complaint with the FTC and my AG. One more question, where can I get the form to give to my employer to stop them from giving them any further information



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