Wage Garnishment?

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I took out a payday loan (stupid thing) and Something came up and I couldn't pay it back at that time, but sent what I could and now they are saying that I paid the loan in full but there are other charges that I have to pay. When I asked for a bill or something showing the amount they refused. They harrass me at work and home. They now just called and wanted Human Resources so they can do a wage garnishment. I thought you had to go Court in order for them to do it. And I tried to look the loan company up to see if they are legal in Illinois and I can't find anything on their business. It is getting so embarrassing. How can I make them go away. How can they garnish my wages. I don't make all that much and I am supporting my 2 kids, where daycare takes most my check anyway. How can they get away with this? They said they are from Westbury or something like that? Anybody have any advise on what to do? They are harrassing me..

Wage Garnishment?

No one can garnish your wages without taking you to court and getting a judgment and then a court order.

In your State if they get the judgment, they can garnish up to 15% of your gross wages or 45 times the minimum wage of $5.15 for a total of $231.75 whichever is greater.

Wage Garnishment?

As far as I know, only a Court order, or the IRS, can force a wage garnishment.

And even then they can take no more than 10%.

And in most states, it is illegal for collections to call you at work, if they do and you tell them not to. And if they are calling and discussing your personal finances with your supervisor or even the HR department, that is just illegal. If they are doing this, you can even get a court to drop the entire amount they say is due.

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Wage Garnishment?

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