I got a voicemail today from Cash2daylimited. The message left detailed information, including debt amount and social security number, and also threatened to call my supervisor and said they could garnish 40% of my paycheck if i didn't set up arrangements. The guy said he'd be willing to knock down 80% of the total debt. Anyway wanting to avoid my employer being called, even though i'm pretty sure that's not legal, i called in and the guy was saying how he could set up a settlement through 4,5, or 6 monthly installments. I didn't want to agree to anything without seeing info but he said he could only send in a settlemetn offer once agreed that would detail the account. They said they only accept ACH payments. I had my DMP call them and they got no help, nor could they tell me anything about whether they could actually do any of those threats. Does anyone have any advice?
This seems to be the original creditor and not a debt collection agency...though it is a pay day loan company and i've dealt with seedy ones in the past.
I'm not sure about wage garnishment...i live in PA and i know that it's limited to taxes and student loans there. However i get paid out of Georgia, where my corporate office is...which state laws would apply here? Can they even garnish any salary without taking me to court?
Ideally if this is a valid debt i'd like to settle it within reason. I've worked hard the last year to get ouf of debt and have kept up with my DMP for a while now, and this really caught me off guard. I really don't want them calling my supervisor.
