Husband left behind some bills for me

Be aware that payday loans are illegal in North Carolina. The loan companies are doing an illegal business in your state. And by charging interests and fees on your account, they are violating more laws.

Cash Transfer Center is famous for threatening wage assignment. You need to immediately send a letter revoking their wage assignment and a copy to your payroll dept. You need to make them aware of your situation in advance before they allow CTC to debit your account. One more thing that you need to do is file complaints to the local AG's office and the BBB about their illegal business.

jk...are these internet based loans or store fronts?? Can you please tell us how much the original loanw as for and how much they have taken so far??

If your PDL's are store fronts they are more than likely legal. These PDL's will sue you if you do not pay them back. Approach them before the loan is due and work out payment arrangements with them. They will more than likely work with you. Remember only approach them with an amount that you can afford to pay each time you get paid. It worked wonderful for me and I am soon going to be PDL free!!!!!!!! Yeah.

Hang in there, things will get better. I had an ex that did the same thing that your husband did to you. You will survive this. Follow everyone's advice her as we have all been their

ladybug

It has to be internet if it is in NC.

Who do you have loans out with?
How much have you borrowed from each?
How much have you paid to each?

Payday loans are prohibited in the state of NC. That is where I am. All they can do is threaten you. You do need to write letters stating that you revoke your authorization for them to debit your account, any wage assignment you may have signed, for them to contact your employer or place of employment and your references. Also let them know that they are operating illegally in the state of NC and that payday loans are prohibited in the state. Take copies of these letters to your bank and have them block any debits from these companies, take copies of these letters to your HR/Payroll department so they are aware of what these people will try to do. File complaints with the Attorney General and make sure you include all paperwork that you have, including copies of these letters. Do not be afraid of these people. They cannot have you arrested or anything like that. The most they can do is call you all the time and make idle threats.

Please provide the information I asked for. You only need to pay back the principal that you borrowed, nothing more.

Hang in there!!!!

it doesn't matter if they are store front or internet. THEY ARE ILLEGAL IN NC. tell them that you will need a letter from the NC Attorney Genereal instructing you to pay them.

niniDC, please.......
Guest, you are not alone here. Yes, pdl's are illegal in your state. I can post the laws for you to see. If cash transfer centers is one of your pdl's, you need to IMMEDIATELY send them a letter via email/fax/USPS revoking any wage assignment you may have signed with them. They are notorious for pulling the old "wage assignment" trick and sending it to your employer. Please do this ASAP to cover yourself. You have to revoke it BEFORE they turn it in to your employer, so act quickly. Also, if you could list your pdl names, amount borrowed principle only and how much you've paid back, we can help you here! :D

You will find the Payday loan laws for North Carolina here (just select your state),

http://www.debtconsolidationcare.com/paydayloan/explain-pdls-laws.html

Oh and you might add in your letter that you will only communicate via email or USPS. This way you will have a record of everything that transpired between you and the payday loan people.

As Cannr said, get these out as quickly as possible and get to your bank and your employer as soon as possible. The sooner the better. Send these letters via email or USPS certified mail with return receipt. Do not waste any time. I do think that NC is a nongarnishment state except for taxes. Not 100% sure but I think so.

I will send out a letter to them. I am afriad to send it to my employer for I do not want to get fired. I am a teacher. My bank said that even if I close my account, they are still liable to pay them. I bank with Bank of America. I took out a $1500 advance with them and they said I owe them $1963. They debit two debits from my checking account for $981.50 each using Northway Debit. Is wage garnishment illegal except for taxes and child support? Yes, this was an internet loan.

Yes, but you want to make sure in your letters that you revoke any wage assignment that you may have signed. Also, I do not know who you talked to at your bank, but I would keep pushing them to put a hard block on your account. If you don't get a satsifactory answer from one person, ask to speak to their supervisor, and if nothing there, keep going. Sooner or later someone is going to listen to you.

As far as your employer goes, don't be afraid. We all make mistakes and stuff happens and we think we are helping ourselves when we really aren't. You might be surprised as to how understanding they may be. Don't just send it to them, make sure you talk to your employer in person. You might also want to talk to your employer about getting a paper check instead of direct deposit, if that is what you are getting. Did you take copies of the letters to your bank showing that you have revoked authorization for them to debit your account?

Make sure you get those complaints filed also. Like I said, payday loans are prohibited here in the state of NC. I had 6 payday loans when I came here the end of January. It is scarey to have to go through this, but when I found out that they were illegal here, I made sure that I quoted the laws to these people (pdls) and hounded them about marking my accounts PIF, etc. Yes I did get some phone calls, but I armed myself with the knowledge of knowing there was nothing they could do to me and that all their threats meant nothing. I even let them know that it was not going to matter what they said about them not operating in the state of NC because they were. The loaned money to me, and I am the state of NC, they were taking money from my account, that is in the state of NC, they were contacting me, again, in NC, so they were doing business in NC. Stand strong, don't be afraid and have the comfort of knowing that you are in the right. But please do not procrastinate about the letters or the complaints and about your check.

I have already faxed over to the pdl a copy of the letter about revoking wage assignment. I am afraid to contact my employer on the grounds they may fire me. I have requested a paper check. I am overdrawn on my checking account, so can I close that account? I will call my bank and ask them to put a stop on any northway debit transactions. What exactly should I ask my bank to do? Does my employer have to notify me of any garnishments that may be coming out of my account? Could my employer tell me that they are still going to garnish my check, if so how much could they garnish it for? I thought I read somewhere that if they do too many garnishments, that they have grounds to fire you. The ladies in payroll just have so much to do that I don't want to bother them.

The bank won't usually close the account if it is in the red. But they should be able to do a block. Tell them that this company is fraudulantly debiting your account, and you want your account to be on deposit only, an ach block, a hard hold, a freeze, or a debit block.

You don't have to tell your employer anything yet. If the pdl tries to put through the wage assignment, then would be the time to show your employer the letter.

Garnishments are different from wage assignments. For garnishments you are notified, but with wage assignments they are voluntary, so it can be assumed that you already know about it. But most HR depts will notify you first. It just isn't law.

Garnishments are done according to state law. Normally it's about 25% of your check. But wage assignments are different. They can be for any amount.

I'm not sure about being fired for too many garnishments. Anyone know? I would think no, but then the company could claim that so many garnishments shows a certain irresponsibility and they don't want someone like that working there. On the other hand, people make mistakes, and there are many financial situations beyond our control. You shouldn't be punished for that.

I talked with the pdl yesterday and they said they received a copy of the letter that I faxed over and they said they will honor it. My letter stated that I revoked my voluntary wage assignment and not to contact my employer and not to contact my references. They said by law they need one phone number to contat me at ans if they could contact me at home. I said yes. They haven't been rude to me, I just don't want my employer to know. I also saw something else that it said a wage assignment couldn't be attached to anyone employed by the state or by a school district. Anyone know? Should I ask my payroll to notify me if anyone does a wage assignment just in casual? Not going into all of the details?

If you want to you could do that . . . . I've seen similar laws in a few states about state employees and wage assignments. So that may very well be the case.

I may just ask payroll to just notify me in case of any wage garnishments/assignments because I still do owe tax on my house and it may be the case that that gets garnished then if I have to, I will go into more detils.

Glad to hear that they are going to honor your request to close your account. Please make sure you get your PIF in writing. Can I ask why they needed a phone number to contact you if they were going to honor your request?

I'm confused. Okay, they contacted you and stated they would honor your "wage assignment revoke letter". Which stated that you revoke any wage assignment you may have signed with them and also included not to be contacted at your place of employment. However, did you revoke their authorization to debit your bank account? Has your bank done anything to stop the debits?

The pdl is going to honor my request not to do a wage assignment and not to contact me at work. They said that they needed at least one place to call me since they cannot call me at work. I have not talked to my bank about them not debiting my account. I am planning on doing that this weekend. I have already told my payroll to issue me a paper check instead of direct deposit this month. The pdl said that they would be turning me over to a collection agency called universal fidelity "within the next week". I told my payroll department to notify me in case any garnishments were coming across their desk. The one lady turned out to be real nice to me. Please tell me this is going to get better.

jkr, it IS going to get better. These guys are illegal. Let them tell you they're going to "turn you over". Good Lord. They're not even legal! You're doing good so far regarding communicating with your employer and getting a paper check instead of direct deposit. However, you need to do something with your bank account. The pdl will keep hitting it over and over again. This is going to cause you to have NSF fees. Are you going to close your account? If so, they're might be "pending pdl debits" against it and "force" it back open. You might want to do a hard debit block on it. There is a "sticky" at the top of the site page regarding closing your bank account. Please read that link. These guys will continue to debit your account FOREVER. And, you need to send them a letter revoking their debit authorization. They won't honor it; however, you will have documentation in your hand for your bank for anyone else who may need it. Please try to take care of this ASAP.

I talked to someone yesterday in the pdl and they said they would be "scanning" my letter that I faxed over to them to attach it to my file. I didn't undersatnd what that meant. They said that they couldn't give me the number to universal fidelity because my file has not been turned over to them yet. I told them again about not contacting my employer and they said they won't. I am going to call my bank and no I haven't closed my account. I read about from this forum that even if I close it, it could still become open.

I used to work for the state I live in and in my state they can garnish your wages as this happened to me unfortunately.

ladybug

I sent the pdl a revokation of my wage assignment. I also notified my payroll department of this .

You can't let your bank account just sit open/active. Yes, it can be forced back open if you close it. However, you can put a hard debit block on it so no debits go through. Even this isn't 100%. You have to watch that closed/blocked account like a hawk. But if you leave it open with nothing done on it, the pdl's are going to hit it. You'll have pdl debits and bank fees adding up on your account. Even if you keep going in and disputing the charges, it's going to get ugly. They will hit it as long as it's open/active. Believe me.

OK, I will do that. I was more worried about my direct deposit than anything else. I need to get a paycheck and I know that if I didn't do that letter first, I would be screwed even more. I deal with bank of america.

please read some of the posts about boa...many poeple have had problems with that bank and you need to be prepared. Just search in the google box....

If they can put a hard debit block on the account, credits will still go through. You're direct deposit can be put in. But I would suggest that as soon as your direct deposit is put in, get it out! You will have to physically go into your bank to withdraw money, but I'd feel safer. Even if it has the debit block on it. I wouldn't leave any money (except a few cents to keep it in the positive) in there. Go into the bank once it's deposited and withdraw it. Leave like one dollar in your account.

I have switched from direct deposit this month to an actual check. I did read about that from this forum. I took care of that real quick. Besides, my account is so far in the negative now anyway. IT's depressing and it seems like I will never get out of this situation. One day it is ok, the next day someting else happens.

Oh, yes. It's an up and down deal! Good news then bad news! LOL! :lol: But you got your paycheck taken care of. You will now have money again to pay your bills, buy your food, put gas in your car. That's the first step. Good job! Get your money taken care of so you're not being robbed any longer. Get caught up on all the things you got behind on. Then fight the hell out of the pdl's!

Hang in there...it will get better. Know that you do have the law on your side. I do hope that you got your complaints filed with the AG, BBB and whomever else you need to. It is very important to do that. Also, hope you made it to your bank. That needs to be done ASAP! These people are relentless and will continue to try to take money out of your account and continue to make you more and more overdrawn.

It is a little tough to get this done, but it can be done, (I am proof here in NC), and it will get better! I promise! :wink:

It is all very consuming and I am still in the process of trying to work with bank of america and then trying to open up another checking acount if I can, I applied for a RUSH card any news on that one? Is it safe for me to deposit my check into that account? I feel like I am never going to get out of this debt. I have so many overdrawn fees and bounced checks, never, never ending.

Jk, Stick with it. Follow the advice that people give you,and things will get better. believe me, it may seem like there is no light at the end of the tunnel, but there is.We have all been there, and understand how you feel.If you need anything let us know.keep us posted as to your progress