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Western Sky/Cash Call

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Posts: 24
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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.

 




Unregistered

Sub: #1 Western Sky/Cash Call is an
Tue, 01/08/2013 - 22:15

Western Sky/Cash Call is an illegal lender. You owe principal only. Don’t worry, illegal lender can’t do anything. They won’t be able to garnish your wages. They are trying to scare you. File a complaint against them to the SAG or FTC and close down your old bank account immediately.





HelpinAZ

Posts: 1889
Credits: 28808.676946382

Sub: #2 They have to take you to
Wed, 01/09/2013 - 04:25

They have to take you to court for a garnishment to happen.. they can't just send in a form and get it done.. why did your employer send it back to them? Have you been served with a court summons? How long since you sent WS/CC your letter revoking ACH authorization, just curious since I am still getting letters from them to try to get me to modify my loan with them.. 





momofthree27
Debt Samaritan
Posts: 360
Credits: 4665.35

Sub: #3 Interesting since they were
Wed, 01/09/2013 - 11:29

Interesting since they were slapped with an FTC action for that very thing.....you can google Federal Trade Commission and Payday Financial, et al.  Here's a blurb....

FTC Action Halts Allegedly Illegal Tactics of Payday Lending Operation That Attempted to Garnish Consumers’ Paychecks

After the Federal Trade Commission filed an actio n in U.S. district court, a payday lender that allegedly attempted to illegally garnish consumers’ wages has agreed to stop the challenged conduct pending trial. The FTC would be very interested to know they are continuing this practice -- especially since they signed an agreement to halt the practice pending trial....which hasn't happened yet.If you haven't already, send them a letter revoking ACH and any wage assignments you may have signed?  Make sure you include the blurb about wage assignments as this seems to be the key in which people they try to illegally garnish from what I can tell.  Just so you know, garnishment of wages can only be done through a court order in your resident state.  Any tribal court document is not valid.  They would have to sue you in your state (which they won't since they are illegal) and get a court ordered wage garnishment.  Please notify your payroll department of the FTC action ASAP so that they can notify WS (actually Cash Call) that they are aware they sent them bogus documentation and will be reporting them to the proper authorities.  And, whatever you do, do not sign any type of Modification Agreement which will automatically give CashCall authorization to contact your employer.I have been doing battle with them since August.  My loan was overpaid by over $1,100 and I'm not paying them a dime more.  They refuse to budge and continually send me Modification Agreements (CashCall) which I promptly write "REJECTED" accross and return.  They have left me alone as far as garnishment threats and phone calls, but they are reporting negatively on my credit report.  I have filed disputes and am still going back and forth with the CRAs to get them to understand that this is an "illegal" loan and therefore should not be reporting on my credit report. 





josulo
Posts: 24
Credits: 534.3

Sub: #4 It was just a verification of
Wed, 01/09/2013 - 19:42

It was just a verification of employment form that they sent back. I did not have to sign anything. They put on the form my hire date and that I was working there. It is my employers policy to not give any wage or salary information. I have not paid them since March of last year. I don't know what kind of letter to send them since it was already turned over to a collection agency





paulmergel


Posts: 15508
Credits: 135761.15272958

Sub: #5 well then
Thu, 01/10/2013 - 05:49

you get any info from your employer about this bottomfeeder,and file AG,AND FTC complaints(make sure to point out to the ftc that this is cashcall)and really take your employer to task as they are not obligated to honor that at all.





josulo
Posts: 24
Credits: 534.3

Sub: #6 How do I go ahead to file
Thu, 01/10/2013 - 08:00

How do I go ahead to file these complaints





paulmergel


Posts: 15508
Credits: 135761.15272958

Sub: #7 simple
Thu, 01/10/2013 - 08:03

get the address for this bottomfeeder,and file complaints with your AG(some will let you file online)for the FTC go to www.ftc.gov and file online(again point out this is tied to cashcall).simple as that.





momofthree27
Debt Samaritan
Posts: 360
Credits: 4665.35

Sub: #8 When making your complaints,
Thu, 01/10/2013 - 10:22

When making your complaints, especially to the FTC, make sure to reference the stipulation in place in the FTC v. Payday Financial, et al (Western Sky Financial).  I read it again last night and it goes for not only WS but also anyone who services/collects on the debt which would mean CC.  The only way we are ever going to make any progress is to report, report, and report again.  I would also send WS and CC a letter reiterating that you revoke any and all wage assignments that you may have signed and that you prohibit them from contacting your employer, your references, etc. 





josulo
Posts: 24
Credits: 534.3

Sub: #9 I have sent them an email
Thu, 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





HelpinAZ

Posts: 1889
Credits: 28808.676946382

Sub: #10 A copy of the letter you sent
Thu, 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.. 





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