Legal Question in Credit and Debt Law in Michigan

Payday loan company is garnishing wages
My husband and I were in need of some fast cash for bills. We found 200cash.com for a payday loan. My husband applied and we got it. We had to sign an agreement with this company stating taht if we defaulted, the amount plus legal fees would be taken out of my hubby's paycheck. My hubby didn't sign it, I signed his name for him (with his permission). Well a couple weeks after we got it, my hubby needed surgery and this left him unable to work. He is collecting FMLA from his employer at $276 a week. Now we have 2 kids and are facing shut offs. I am currently seeking employment. Anyways, we defaulted on this payday loan. Now 200cash says that they will garnish. They said that they don't need a court order to do so and have already contacted my hubby's employer to garnish. I really need help with this one. We cannot afford a garnishment. And they refuse to make payment arrangements with us.

Asked on 6/28/06, 4:40 pm

Rochelle Guznack Law Offices of Rochelle E. Guznack, PLLC

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Re: Payday loan company is garnishing wages

I do not believe your wages can be garnished without a judgment from a Michigan court.

Answered on 6/29/06, 9:50 am

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