My pay have been garnish for years now I believe the loan is paide How can I get in contact with this company to now for sure if my Loan is paidoff and if not how much more do I need to pay?

Answer 1

If you suspect that your loan has been paid off or you want to confirm the status of your loan, you should take the following steps to get in touch with the loan company:

Review Loan Documentation: Gather all the documents related to your loan, including the loan agreement, payment records, and any correspondence you've had with the loan company. These documents can provide valuable information about your loan, such as the outstanding balance and contact information for the loan company.

Check Credit Reports: Obtain a copy of your credit report from all three major credit bureaus (Equifax, Experian, and TransUnion). Your credit report should show your outstanding debts and whether your loan is marked as paid or has a remaining balance.

Contact the Loan Servicer: If you have information about the loan servicer or lender, contact them directly. You can typically find their contact information on your loan statements or in the loan agreement. Explain your situation and ask for details about the current status of your loan, including the outstanding balance if applicable.

Request a Payoff Letter: If your loan has an outstanding balance, request a payoff letter from the loan company. This letter will outline the amount required to fully pay off the loan and any instructions for making the final payment.

Contact the Creditors and Collection Agencies: If your wages have been garnished, it's possible that your loan was in default, and the debt was sent to a collection agency or creditor. Contact the entity that initiated the garnishment and inquire about the status of the debt, including whether it has been paid off or if there is a remaining balance.

Dispute Incorrect Information: If you believe that your wages have been garnished in error or that the loan has already been paid off, you may need to dispute the debt with the credit bureaus and the entity that reported the garnishment.

Seek Legal Assistance: If you encounter difficulties resolving the issue or if you suspect unlawful or unfair debt collection practices, consider seeking legal assistance from an attorney or a consumer protection agency.

Remember that it's essential to keep records of all your communications, including emails, letters, and phone calls, related to this matter. This documentation can be valuable if you need to dispute the debt or resolve any discrepancies.

Finally, if you're unable to locate the loan company or if the company no longer exists, you can consult with a financial advisor or attorney for guidance on how to proceed. They may be able to help you navigate the situation and determine the best course of action.

Answer 2

Ask your employer to give you the name of the entity who is garnishing your wages--- is it an individual; the court; a company, etc. Most likely it will be a court. Get the case number of the court case and go to the court and look at the judgment and see how much was awarded in the judgment. Then add up how much you have paid over the years through the garnishment towards the judgment.

Then if you have paid the amount in full, and they are still garnishing you can petition the court to stop the garnishment and return any overpayment.

A QUICK WAY to find out is to just ask your employer for the total amount the ORDER OF GARNISHMENT instructed them to garnish. Your employer is responsible for garnishing only the amount in the COURT ORDER.

GOOD LUCK!