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Wage Garnishment for Payday Loans


NeekNeek
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Thanks for the replies! I've been on a field trip to NY for school. I just got back Sat.

I was wondering cause someone left a message on my machine threatining to call my boss for wage garnishment. I guess it was just a bunch of threats huh?

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Not a stupid question. There are phone recording devices available at your local spy shack or maybe even radio shack. The one I have requires a dual phone jack (two pronged phone jack that connects into single phone jack) One jack the phone line goes into, and the other the recorder goes into.

When I call someone I hit record, and talk away.

The only crappy thing is that it uses mini tapes and not the standard size, although there are ones that use standard size tapes.

They will run you 50-100 bucks for a decent one. Tapes aren't that expensive.

Make sure to label the tapes. Make sure to make sure you start the recorder BEFORE you start talking.

If you get a call from a CA, make up some excuse as you turn on your recorder.

In most states, you don't have to give notice about recording the call. Don't tell them "this call is being recorded" That's stupid. The CA will obviously watch their tone or they just won't talk to you. Worst case, make a transcript of the call and use the recording to *refresh* your memory as needed.

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No garnishment in PA or TX, but it's not an unlawful act to mention/threaten that action because most collectors are not aware that it's other methods, i.e. bank levies, home liens, etc. in PA. They can still submit the paperwork to the employer, however the employer cannot comply with the request. There are motions to change the law in PA so that garnishments will be permitted.

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BTW, I forgot to mention that you can go to Radio Shack and they have a $6 do-dad you can plug into any tape recorder and record your voice mail. Also leaving a message like that on voice mail where anyone can hear it is a violation in and of itself.

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Sure, why not phone people and threaten to sue them to recover money you've lent them? Pay Day Loan operators are considered original creditors and they can leave messages, send postcards or do almost anything. (FDCPA governs third party collectors.) Also in most cases they can draft your checking account and cause an overdraft because customers in most cases have preauthorized this action. Usually in order to obtain payday loan you would have to have an employer and they would already know where to go to recover their money.

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Thanks to everyone who was helpful. I'll be visiting radio shack this week. I hope they call again soon. They always do when I'm not home. I'm in school five days a week and when I'm not in classes I'm at work. I'm never home!

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GHA,

It is unlawful to threaten something that you can't/don't intend to do. Let some CA threaten me with wage garnishment. We'll be in court faster than you can say lawsuit.

Yes - that is entirely true but it sounds like a lot of people are missing the point that GHA was trying to make - Pay Day Loan operators are not considered Collection Agencies, they are the original creditor and as such, are not governed by the FDCPA in the same manner as a third party debt collector.

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