Can A Pay Day Loan Company Over The Internet Garnish Your Wages? What Is The Process? What If I Have Already Paid This Debt And They Keep Calling Saying I Have Not And I Know I Have?

In the United States, the percentage of your salary that gets paid to you while you are on unemployment is calculated based on the quarterly earnings you report. Throughout the United States, the average weekly unemployment payment adds up to about 36 percent of your average weekly income.

To calculate how much unemployment you are to receive, you must determine the highest earning quarter of your one year base period. The one year base period refers to the four quarters previous to the quarter of your claim being filed.  

Because of the amount of money offered for unemployment benefits in the United States, sometimes it makes more sense to stay on unemployment than to get a low-paying job. Many cases of this anomaly have been observed.

Though it depends on state legislation, the American Recovery and Reinvestment Act of 2009 has allowed many unemployed people to collect up to 99 weeks of unemployment at a time. The most common reason for staying on unemployment for the maximum amount of time is disability or injury.

To qualify for unemployment, you must meet the wages earned or hours worked requirements of your particular state. These same numbers are also used to work out the length and value of your unemployment insurance. 

In the United States, unemployment insurance is available to self-employed, temporary, and part-time employees in addition to full-time employees, as long as they have become unemployed through no fault of their own. The most common way to qualify for unemployment benefits in the United States is to be laid off.

Though it varies from state to state, the United States generally has some of the highest unemployment benefits in the world. The more you have earned, the more you are eligible to receive once you have lost your job.

First of all, any time they call, tell them you are recording the conversation, and ask them to repeat the consequences of not paying. If they say they are going to "tell" your employer or are going to spread information about you over the internet, they are breaking the law. I worked in the pay day loan business for a long time. It is against the law to make threats over the phone or to give out confidential information about a customer to anyone but an attorney, the courts, or the customer. They would have to either get an attorney to contact you and then sue you for breaking a binding contract, or take you to small claims court before they can garnish your wages... and that depends on what state you live in... some states don't allow for garnishments... like Texas and Florida.
My next piece of advice? Find your receipt or stub of the money order you used to pay off your account. Did you get a statement from the company saying the account was considered closed? Have that paperwork ready in case they do sue you. Next, while recording the call tell them you are requesting no further calls to your home, work or cellphones... if they call again, you can sue them for harassment. Next write a letter and mail it to them requesting no further contact and include copies of your proof of payment years ago. Send a copy to yourself as well via mail. Include in the letter that any further harassment on their part by phone, mail, or court proceedings will result in a harassment suit against them. Do not open your copy of the letter when it comes back to you. I would even suggest you send it certified to the company and keep the receipt for the letter in a safe place. Finally, report them to the better business bureau for unlawful practices in collection.

Yes they can garnish your wages, but only if your state allows it to happen through the proper legal process.  If you need any help dealing with those calling you, please contact my office at 1-888-656-1335 so we can discuss options to help you out.  Thanks Dan

Hello the pay day loan rep keeps calling my work, how can I stop this even after I told them not to, I also called them to try and make arrangement's on my account, but they will not try to listen , and will not let me make payment arrangements.

Kathy

For those times when a Payday Loan turns ugly it is very important to stay in contact with the lender. Never cut off communication or they will become upset. However, at the same time, you do not have to take any abuse or threats that they make. Keep records of the conversations and be sure that you are fully informed when you are looking at the different communications between yourself and the lender. If at any time they break the law, do not be afraid to call them on it.