Avantis Financial

I didn't know that a company or CA could ask someone's employer to invoke a voluntary wage assignment. I have never dealt with them myself, but it does sound typical of an company that is doing something shady. You send the C&D letter, yet they do what the letter asks them not to...obviously they don't know the law and don't pay attention to letters from customers. Dumb as*ses

I have dealt with Avantis Financial before and they sent my employer a wage assignment. However, my employer also refused. At that point Avantis said that if I didnt pay off the full amount they would file suit. After going back and forth with them I ended up on a payment plan, and I'm happy to say that I'm almost finished with them.

Has your husband considered talking to them to set up arrangements?

Do you know if they actually sent the wage assignment or did they just tell you they did and your employer refused? I wondered if that was part of the scare tactic. My husband is going to call them and see if he can split up the balance over his next two pays. Hopefully that will work.

Yes, they sent the wage assignment to my employer. My employer called me and informed me that they received a wage assignment from Avantis.

They were difficult to work with at first regarding arrangements, but finally they agreed.

Good Luck!

Ok a "Wage Assignment" is totally VOLUNTARY. It can be revoked at any time by yourself. Teresa all you need to do is type up a letter revoking any and all wage assignments to Advantis. Also a garnishment of wages has to be court ordered, unless it is administartive garnishment. Administartive garnishment is usually pertaining to Federal debts i.e. Student loans, Military debt, etc.. See these links below:


http://www.ed.gov/offices/OSFAP/DCS/awg.html


A PDL can file a suit against you LEGAL or ILLEGAL unfortunatelly. If the PDL is ILLEGAL they can POSSIBLY get a default judgement by the court to garnish your wages if you are unaware. This has happened in the past, but it is very RARE.

If the PDL is legal they can file a civil suit against you as well and get a judgment to garnish your wages. This will be more difficult to avoid being that they are a LEGAL and licensed company :(

Most people try to resolve the matter between the PDL before it even goes this route. Do as the guest says and try an work out payment arrangements with the PDL first by sending proposal letters, etc..

Now with all that being said. The state of CA prohibits criminal action by PDLs and they also require a PDL to be licensed to do business with its residents. So if Advantis is not licensed in your state they are blowing alot of hot air. Please ensure that Advantis Financial is not leagaly licensed in your state. I am not familiar with this company so others will be along to help on that. Good Luck :P

Here is a link to CA PDL Licensee database:

http://www.corp.ca.gov/FSD/licensees/default.asp

We had already sent a letter revoking the wage assignment, and they just ignored it. Essentially, it looks like as soon as they got that letter they tried to get the wage assignment through my husband's employer. We did talk to them yesterday, and they insisted that they didn't have to have a license in Ohio, just in South Dakota where they are at. I don't think the lady knew how to deal with me since I was basically refusing to pay what they were asking. I kept telling her I was only willing to pay what Ohio law states. She had to get approval from a supervisor and finally agreed to let us make 2 payments to pay the balance.

That is common for them to try the wage assignment anywayz. That is why we suggest giving a copy of that to your HR department. So after all the huff and puff they finally agreed. Sometimes it just takes a little persistence, but eventually they fold :wink:

I had wages garnished from advantis. I thought everything was a scare tactic, but they did file suit and had my wages garnished.

In your reply it says Advantis not Avantis? is that a type or did you mean the same company of Avantis?

i suspect a troll teresa.avantis is an illegal lender.not licensed in alot of states.they couldn't get a court ordered garnishment if there lives depended on it.