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help employer received wage assignment papers

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Oh please help me. My employer received wage assignment papers. I spoke to the payday loan company which is National Payday Loan. They told me that if I comply with the wage assignment they will just have 50.00 taken out of each of my checks. I owe 444.00 so I would have it paid off in 41/2 months. If I revoke the wage assignment they stated they will pursue a wage garnishment which would cost me alot more. I live in North Dakota and called the state regulator. He stated I do have to pay back the principal only but could not give me legal advice about whether to go with the wage assignment or wait and see if they sue me. The regulator did state the company is an online payday loan company and is operating illegally in our state. I think I am more ashamed than anything to let my employer find out about this. They don't have the papers yet. And I applied on their computer. Don't know if that is illegal or not. Any advice?




They are offshore in Costa Rica....they are illegal!!!!!!!!!!!!!!!!!!
Revoke the wage assignment....they CANNOT get a garnishment because they cannot sue you....the paper is DIRTY AND ILLEGAL!

Dear National Payday Loan
This is a demand that you cease and desist any and all contact with me and anyone associated with me. You are an unlicensed lender and the loan docs I signed are NULL and VOID. I am revoking any and all ACH rights and any and all wage assignment rights I may have signed. Don't bother threatening to sue me and garnishing my wages...you can't. You are operating illegal in my state of North Dakota. So do yourself a favor...mark my account as paid in full. You are not getting another dime out of me. Sure, you can send me to collections...but they will not and cannot make me pay. I will simply cease and desist any agency you assign me to. Of course if they choose to violate the cease and desist, I will happily collect statutory damages from them under the FDCPA.

Govern yourself accordingly.

Sub: #1 posted on Fri, 08/30/2013 - 06:40

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
(Posts: 17209 | Credits: 4746.15)

Revoke wage assigment with National Payday Loan and give a copy to your employer. If your employer refuses to comply, contact your state AG's office.

Sub: #2 posted on Fri, 08/30/2013 - 06:41

SOAPLADY SOAPLADY
Moderators Cum Industry Expert
(Posts: 17209 | Credits: 4746.15)

thank you so much for the help. I feel much better and really appreciatship your help.

Sub: #3 posted on Fri, 08/30/2013 - 19:08

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"Your account is currently past due and has an outstanding balance of 414. Several attempts have been made to reach you via e-mail, text message and/or other means. It is very important that you contact our office immediately. Not doing so will cause further collection efforts to continue including a possible Wage Assignment through your employer. We are always willing to work with you to pay down your balance, but you must contact us immediately."

My response (please excuse the all caps, I was mad!)

I HEREBY REVOKE ANY WAGE ASSIGNMENT I MAY HAVE SIGNED. MY EMPLOYER HAS BEEN NOTIFIED AS WELL. YOU CANNOT GARNISH WAGE WITHOUT A PROPER COURT ORDER AND SINCE YOU'RE OPERATING ILLEGALLY IN MARYLAND, THE LOAN AGREEMENT IS UNENFORCEABLE. I WILL ALSO FILE A COMPLAINT WITH THE STATE ATTORNEY GENERAL'S OFFICE.

LET ME REMIND YOU THAT I ALSO REVOKED ANY AND ALL ACH/DEBIT AUTHORIZATIONS WITH National Payday Loan AS PER FEDERAL LAW.

THANKS

Sub: #4 posted on Fri, 09/06/2013 - 02:14

Matt Matt

(Posts: 36 | Credits: 5.04)

Great response, They are just trying to rattle you.. don't let them...

Sub: #5 posted on Fri, 09/06/2013 - 05:36

HelpinAZ HelpinAZ
Moderators
(Posts: 1873 | Credits: 288.1)

I feel lucky to work for a large company that will only comply with US COURT ORDERS ONLY. To them everyone else can kiss it. Thank god. This has saved me once before.

Sub: #6 posted on Sat, 09/07/2013 - 02:28

bdbatch bdbatch

(Posts: 2 | Credits: 0.2)

I know HR will contact me first and ask about NPL's request...No court order means no garnishment! they can K.M.A!

Sub: #7 posted on Sat, 09/07/2013 - 02:36

Matt Matt

(Posts: 36 | Credits: 5.04)

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