michelledomdee asked:
Hi, 2 weeks late on a payday loan, they told me they are now contacting my payroll dept, can they do this, I did sign a paper when I got the loan that they can garnish my wages, can they?
Default on payday loan
Hi, 2 weeks late on a payday loan, they told me they are now contacting my payroll dept, can they do this, I did sign a paper when I got the loan that they can garnish my wages, can they?
Default on payday loan
December 8th, 2008 at 2:13 pm
If YOU SIGNED A PAPER saying they could, then YES THEY CAN!
Is that really so hard to understand? You signed a legal document. You agreed to their terms. They are expecting you to live up to the agreement that YOU SIGNED.
December 11th, 2008 at 6:36 pm
I think you should just call and talk to someone there. If you can’t afford to pay the money all at once ask if you can pay it back in a few payments. I think there is some kinda agreement that those payday loan places have to accept payments or give you at least a few extra weeks to pay. Don’t remember where I saw this at. Anyway just talk to someone. I am sure they are not going to garnish or even send it to collections for just being 2 weeks late. Let them know asap when you can send a payment though.
December 11th, 2008 at 11:21 pm
Yes, they sure can do it. They don’t need your approval, only the approval of the court that issued the order.
December 12th, 2008 at 2:34 pm
My advice is to pay off these people any way you can and NEVER use them again, these payday lenders are predators and they should be abolished, afterall loan sharking is illegal, and this is wat they are doing
December 14th, 2008 at 1:00 am
I’m fairly sure they can’t garnish your wages without a court order, and you have to go to court and sue to get one. They would probably rather work with you to pay it off over time.
As the answerer above said, these places are nothing but loan sharks, and they should be outlawed. Try to get this paid off and don’t get involved with them again.
December 15th, 2008 at 8:07 am
you gave them legal permission to to yes they can. Stay away from those places will only get you farther indebt
December 15th, 2008 at 11:19 am
Many states have recently passed new regulations regarding these pay day loans.
Your better off to contact your state attorney generals office to find out what your current state laws are.
Many courts are now dismissing requests for a “writ of garnishment” from these predatory lenders. Even though you may have signed a contract allowing them, your state laws may require a “court ordered writ of garnishment” and some states even prohibit wage garnishment, or follow the federal guidelines which is 25% of net income (not gross).
If you can pay them off, DO SO, it’s the interest and fees that will get you.
Hope this answers your question.
LEGAL DISCLAIMER: The advice contained herein is for informational purposes only. It is not to be construed as Legal Counsel nor Legal Advice.
December 17th, 2008 at 2:24 pm
I doubt they can garnish your wages even if you signed something saying you can. They aren’t the IRS or department of education.
Your best bet is to get a second loan to repay the first one quickly and work out a repayment plan that is better than what you had.
Go to and locate a loan center near you and give them a call to ask about short term loan programs.
December 19th, 2008 at 12:13 pm
Yes, they can and will contact your employer to garnish your wages asap. You gave them permission. This is standard with all payday loans. You need to pay it off right away. If that is not an option, you will need help right away. WE specialize in resolving payday loans. 1. We send out letters to all payday loans companies that you have revoking this right to garnish your wages. 2. We send out cease and desist letters so they can no longer contact you direct, but call us. 3. We will then negotiate a very small repayment plan, or settle out the debt at the lowest possible price to save the most money. Contact me at or 877-590-1847 ext 107 to learn more.