A month before my wedding I took out a $400 payday loan from Ace and payed the first 3 payments (but since it was so close to the wedding the payments were mostly finance charges and since they are so high I was unable to put very much towards the principal of the loan). I knew it was a mistake when I did it, but I felt like I had no other choice. I ran into some hard times, I wrecked my car and my gap insurance was voided for some reason or another so I had to pay off my car (well the amount that the insurance didnt pay), My water pipe and gas line at my house busted, I ended up in the hospital so I could not pay everything like they wanted me to. I told Ace I would pay half of what I owe and then the next payday I would pay the other half, and the lady I spoke to said that would be fine, well I got an email saying they were going to deduct the full amount, I called Ace and asked what was going on (this was 2 days before my payday and 3 days after I had contacted them). They said there was no record of me calling and that I should have called earlier in the week because there was nothing they could do, I asked to speak to a manager and the lady I was speaking to refused to put one on the phone, so I called my bank, closed my bank account, reopened another one and put a block on ACE cash express. When they couldnt get their money (which I had every intention on going to a local store and paying the half I had agreed to pay and then pay off the other half on my own schedule) a guy called my office monday morning VERY rude DEMANDING that I "pay him what I owe him" I explained that he was going to get me fired, please do not call my place of business. I tried to tell him what I planned on doing and he was insisting I pay him every bit of it today and I told him AGAIN that I couldnt handle personal matters at work and his exact words were "You can go to the bathroom and call me from your cell phone". My company has a strict no cell phone policy and my cell phone stays in my car. When I explained this to him he said "what you dont get a bathroom break? Thats a lie, the slave days are over"! I was so upset, I told him I was done talking to him and I would handle this on my own time DO NOT call my job again and he said "Ma'am do NOT tell me what to do or who to call". I hung up. I really didnt have the money to pay half of it that day and I was so upset from the phone call I didnt. I figured I would put back and pay it all up. I have since received threatening and harrassing phone calls from the staff at ACE to my job. My boss has even told them that I cannot receive personal calls at work, I have even been repremanded for this.
I received a phone call this morning from a "Mr. Phillips" (we have a new employee answering phones so instead of screening the call he just patched it back to my office), when I answered he said that he was going to make a decision on my case at 12 pm today and if he didnt get a payment he was going to contact my HR dept to garnish my wages. I explained to him that I am very busy and I did not have time to discuss this with him, I would call him at 12 on my lunch break and he said that wasnt good enough because thats when he was turning in his decision on my case. I said I would try to call him back in one hour to resolve this. I do not want to call him back, I believe it is a scare tactic and I am the HR dept for our division so he will have to talk to me about wage garnishment and last time I checked that consumer debt is not a legal wage garnishment in the state of texas. What can I do?
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