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15 Sample Letters to Revoke Wage Assignment

Wage assignments can be a double-edged sword – while they may have helped you secure a loan or manage debt in the past, they can also become a significant burden on your financial well-being.

If you find yourself in a situation where a wage assignment is no longer necessary or is causing undue hardship, it’s essential to know how to effectively revoke it.

Sample Letters to Revoke Wage Assignment

However, the process of revoking a wage assignment can be confusing and overwhelming, especially if you’re not sure where to start or what to say. That’s where this comprehensive guide comes in.

We’ve compiled 15 sample letters that will help you navigate the revocation process with confidence and clarity, ensuring that you can take back control of your hard-earned income and move forward with peace of mind.

Letter 1: Revocation Due to Debt Satisfaction

Subject: Revocation of Wage Assignment – Debt Satisfaction

Dear [Employer/Creditor],

I am writing to inform you that I have successfully paid off the debt associated with the wage assignment currently in place. Per my agreement with [Creditor Name], I have made all the necessary payments, and the debt has been satisfied in full.

Please consider this letter as a formal request to revoke the wage assignment, effective immediately. I kindly ask that you cease any further deductions from my paycheck and provide me with written confirmation of the revocation.

Thank you for your assistance in this matter. If you require any additional information or documentation, please do not hesitate to contact me.

Sincerely, 

[Your Name]

Letter 2: Revocation Due to Financial Hardship

Subject: Revocation of Wage Assignment – Financial Hardship

I am writing to request the revocation of the current wage assignment due to financial hardship. My circumstances have changed significantly since the initial implementation of the wage assignment, and the deductions are now causing an undue burden on my ability to meet basic living expenses.

I kindly ask that you revoke the wage assignment, effective immediately, and work with me to establish an alternative payment plan that takes into account my current financial situation. I am willing to provide documentation of my hardship, if necessary.

Please provide me with written confirmation of the revocation and any steps I need to take to facilitate this process. Thank you for your understanding and cooperation.

Letter 3: Revocation Due to Employer Change

Subject: Revocation of Wage Assignment – Employer Change

Dear [Previous Employer],

I am writing to inform you that I am no longer employed with your company. As such, I am requesting that you revoke the wage assignment that was in place during my employment.

Please process this revocation immediately and provide me with written confirmation for my records. If any outstanding deductions need to be addressed, please contact me promptly to discuss the matter.

Thank you for your attention to this request. If you require any additional information, please do not hesitate to reach out.

Letter 4: Revocation Due to Creditor Error

Subject: Revocation of Wage Assignment – Creditor Error

I am writing to request the immediate revocation of the wage assignment currently in place, as I believe there has been an error on the part of the creditor. Upon reviewing my records, I have discovered that the debt associated with this wage assignment has already been paid in full.

I have attached documentation supporting this claim, including payment receipts and correspondence with the creditor. In light of this information, I kindly ask that you revoke the wage assignment and refund any deductions made in error.

Please provide me with written confirmation of the revocation and refund process. If you require any additional information or clarification, please contact me promptly.

Letter 5: Revocation Due to Bankruptcy

Subject: Revocation of Wage Assignment – Bankruptcy

I am writing to inform you that I have recently filed for bankruptcy. As a result, all wage assignments and garnishments must be immediately revoked, as per federal bankruptcy law.

Please consider this letter as a formal request to revoke the wage assignment currently in place. I have attached a copy of my bankruptcy filing for your records.

Kindly provide me with written confirmation of the revocation and cease any further deductions from my paycheck. If you have any questions or require additional information, please contact my bankruptcy attorney, [Attorney Name], at [Attorney Contact Information].

Letter 6: Revocation Due to Incorrect Deduction Amount

Subject: Revocation of Wage Assignment – Incorrect Deduction Amount

I am writing to request the immediate revocation of the wage assignment currently in place, as I believe the deduction amount is incorrect. According to my records and the original agreement with the creditor, the deduction should be [Correct Amount] per pay period, not the [Incorrect Amount] that is currently being withheld.

I have attached documentation supporting this claim, including the original wage assignment agreement and my payment records. Please revoke the current wage assignment and implement a new one with the correct deduction amount.

Kindly provide me with written confirmation of the revocation and the implementation of the corrected wage assignment. If you require any additional information or clarification, please contact me promptly.

Letter 7: Revocation Due to Unauthorized Deductions

Subject: Revocation of Wage Assignment – Unauthorized Deductions

Dear [Employer],

I am writing to express my concern and request the immediate revocation of the wage assignment currently in place. Upon reviewing my pay stubs, I have discovered that deductions are being made without my authorization or knowledge.

I have not agreed to any wage assignment and have not received proper notification of such an arrangement. As a result, I am demanding that you cease these unauthorized deductions immediately and refund any amounts withheld to date.

Please provide me with written confirmation of the revocation and refund process, along with an explanation of how these unauthorized deductions occurred. If you require any additional information or clarification, please contact me promptly.

Letter 8: Revocation Due to Completion of Payment Plan

Subject: Revocation of Wage Assignment – Completion of Payment Plan

I am writing to inform you that I have completed the payment plan associated with the wage assignment currently in place. Per my agreement with [Creditor Name], I have made all the necessary payments, and the debt has been satisfied in full.

Letter 9: Revocation Due to Statute of Limitations

Subject: Revocation of Wage Assignment – Statute of Limitations

I am writing to request the immediate revocation of the wage assignment currently in place, as I believe the debt associated with this arrangement is beyond the statute of limitations for collection in [Your State].

According to my records, the last payment made towards this debt was on [Date], which is more than [Number of Years] years ago. Per [Your State]’s statute of limitations, this debt is no longer legally collectible.

Please consider this letter as a formal request to revoke the wage assignment and cease any further deductions from my paycheck. I kindly ask that you provide me with written confirmation of the revocation.

If you require any additional information or clarification, please contact me promptly.

Letter 10: Revocation Due to Disputed Debt

Subject: Revocation of Wage Assignment – Disputed Debt

I am writing to request the immediate revocation of the wage assignment currently in place, as I am disputing the validity of the debt associated with this arrangement.

After reviewing my records and communicating with the creditor, I have reason to believe that the debt is inaccurate, and I am formally challenging its validity. As a result, I am requesting that you cease any further deductions from my paycheck until the dispute is resolved.

Please provide me with written confirmation of the revocation and direct any further correspondence regarding this debt to me in writing. If you require any additional information or clarification, please contact me promptly.

Letter 11: Revocation Due to Termination of Employment

Subject: Revocation of Wage Assignment – Termination of Employment

I am writing to inform you that my employment with your company has been terminated, effective [Date]. As a result, I am requesting that you revoke the wage assignment that was in place during my employment.

Please process this revocation immediately and provide me with written confirmation for my records. If there are any outstanding deductions or final payments that need to be addressed, please contact me promptly to discuss the matter.

Letter 12: Revocation Due to Reduction in Hours

Subject: Revocation of Wage Assignment – Reduction in Hours

I am writing to request a revision of the current wage assignment due to a recent reduction in my work hours. As a result of this change, the current deduction amount is causing significant financial strain and is no longer feasible given my reduced income.

I kindly ask that you revoke the existing wage assignment and work with me to establish a new arrangement that takes into account my current financial situation. I am willing to provide documentation of my reduced hours and income, if necessary.

Sincerely, [Your Name]

Letter 13: Revocation Due to Garnishment Limits

Subject: Revocation of Wage Assignment – Garnishment Limits

I am writing to request an immediate adjustment to the wage assignment currently in place, as I believe the deduction amount exceeds the legal garnishment limits in [Your State].

According to [Your State]’s laws, the maximum amount that can be deducted from an employee’s disposable earnings is [Percentage] or [Dollar Amount], whichever is less. The current deduction of [Current Amount] appears to violate these limits.

Please revoke the existing wage assignment and implement a new one that complies with the legal garnishment limits. I kindly ask that you provide me with written confirmation of the adjustment and refund any excess amounts that have been withheld.

Letter 14: Revocation Due to Identity Theft

Subject: Revocation of Wage Assignment – Identity Theft

I am writing to request the immediate revocation of the wage assignment currently in place, as I believe I am a victim of identity theft, and the debt associated with this arrangement is fraudulent.

Upon reviewing my credit report and communicating with the creditor, I have discovered that the debt in question is not mine and was likely opened using my personal information without my knowledge or consent.

Please consider this letter as a formal request to revoke the wage assignment and cease any further deductions from my paycheck. I have attached a copy of the police report and identity theft affidavit for your records.

Kindly provide me with written confirmation of the revocation and direct any further correspondence regarding this fraudulent debt to me in writing. If you require any additional information or clarification, please contact me promptly.

Letter 15: Revocation Due to Change in State Law

Subject: Revocation of Wage Assignment – Change in State Law

I am writing to request the immediate revocation of the wage assignment currently in place, as I believe it is no longer valid due to a recent change in [Your State]’s wage assignment laws.

Per the updated legislation, wage assignments must now meet specific criteria and be subject to new limitations and requirements. The current wage assignment appears to be non-compliant with these new regulations.

Please consider this letter as a formal request to revoke the wage assignment and cease any further deductions from my paycheck. I kindly ask that you review the updated state laws and provide me with written confirmation of the revocation.

In conclusion, revoking a wage assignment can be a complex and intimidating process, but with the right approach and communication, you can successfully take control of your finances and protect your hard-earned income. By using these 15 sample letters as a guide, you can effectively navigate the revocation process and ensure that your rights and interests are protected. Remember to tailor each letter to your specific circumstances, maintain a professional and assertive tone, and keep thorough records of all correspondence. With persistence and determination, you can break free from the burden of wage assignments and take a significant step towards financial freedom and peace of mind.

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To use this program, you must be trying to stop a person or creditor from taking money out of your paycheck based on a wage assignment agreement. This program cannot be used for wage garnishment.

Learn more about stopping a wage assignment  and the difference between wage assignment and wage garnishment .

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To complete this program, you will need to know:

• Your account number, another account reference listed on your bill, or a way to clearly identify yourself to the creditor,
• Your creditor's name and address, and
• Your employer's name and address.

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Sample letter to revoke an illegal wage assignment

• Total Replies: 15

wage assignments

Over half of the requirements required for a legal wage assignment have NOT been met. My employer just received this wage assigment last week, and all that is mentioned on the "wage assignment" is my name, social, and $ amount payable to a payday lender. There are no add'l details. Do the requirements for obtaining a "wage assignment" differ between states? I also never rec'd a 20 day advance notice that this was going to happen. I was threatened with a "wage assignment" 6 months ago, and then the agency just disappeared. I have never heard of a wage assignment before. And now to have my paycheck garnished the full $683 on this upcoming payday, I am mortified. Merry Christmas.

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Submitted by on Mon, 12/12/2005 - 13:45

Who was the wage assignment from? I have been told by my employ

Who was the wage assignment from? I have been told by my employer that it has to be court ordered to have a garnishment.

Submitted by CycloneFan on Mon, 12/12/2005 - 13:48

Hi lcarib99 The laws of wage assignment are the same all over

Hi lcarib99 The laws of wage assignment are the same all over the country. They do not differ from one state to another. As the wage assignment served to you does not cover all the mentioned points above, please dispute it by sending a revocation letter to the lender. Send your letter through certified mail with return receipt requested. This way, you will have proof of your actions taken.

Submitted by ben on Mon, 12/12/2005 - 14:00

wage assignment

I have submitted a payday loan store and my employer a letter certified to stop a wage assignment and my employer has not honored it.

Submitted by on Fri, 09/19/2008 - 11:39

Wage Assignment for Pay Day Loan

Do they have to give you a warning that they are doing a wage assignment, or do they just take the payment out of your wages?

Submitted by on Thu, 12/04/2008 - 01:31

can a wage assignment be implemented if i never received aloan from the company??

Submitted by on Fri, 01/30/2009 - 10:56

i have a question...i applied for a loan with emerald back on ju

i have a question...i applied for a loan with emerald back on july 12 2010. the loan was for 200 with a 60 dollar fee. i paid the 60 dollar fee one time and my account was closed and reopened with a new one due to previous fraud activity on my account. they keep calling me and leaving me messages that they are in the finalization department and have an order ready to be filed in my county. the thing is i just went through my loan docs that they sent me when i got the loan and i do not see a voluntary wage assignment order. so if i do not have one, can they still garnish my wages? i have prepared a wage assignment revocation letter but do not want to send it yet until i find out if i signed a voluntary wage assignment order to begin with...help!

Submitted by on Tue, 09/14/2010 - 10:39

Garnishment cannot occur without a court order. If you didn't s

Garnishment cannot occur without a court order. If you didn't sign a volununtary wage assignment, you've nothing to revoke. If Emerald is a legal lender in your state, they may be able to take you to court and obtain a judgment against you for the balance due. If they are an illegal lender in your state, you still need to repay the principal amount borrowed ($200), which means you would still owe them $140, if I understand your post correctly. What state do you live in? That's the determining factor.

Submitted by OhioGal1 on Tue, 09/14/2010 - 13:24

I live in California. I viewed the documents they sent me and I

I live in California. I viewed the documents they sent me and I do not remember signing anything regarding a wage assignment.

Submitted by on Tue, 09/14/2010 - 16:23

If I signed a wage assignment, wouldn't I have gotten a copy of

If I signed a wage assignment, wouldn't I have gotten a copy of it with my other loan documents with my name on them? They sent me the forms that I e-signed.

Submitted by on Tue, 09/14/2010 - 16:26

I just got this email about an hour ago from Stephanie Rice at E

I just got this email about an hour ago from Stephanie Rice at Emerald. [SIZE=2] Unfortunately at this time, this has been turned over to the corporate offices due to the account being closed. [/SIZE] [SIZE=2] [/SIZE] [SIZE=2] Due to the inaccuracies on the original application this has been determined intentional. [/SIZE] [SIZE=2] [/SIZE] [SIZE=2] We are currently in the final review process to turn this over to the state of CA and report to the credit bureaus for the bad check charges. You can make arrangements to stop this from being filed or reported, but you would need to do make those arrangements immediately by phone. [/SIZE] [SIZE=2] [/SIZE] [SIZE=2] Thank you [/SIZE] [SIZE=2] [/SIZE] [SIZE=2] [/SIZE] [SIZE=2] Stephanie Rice [/SIZE][FONT="][/FONT] [SIZE=2] EMG Corporate Offices [/SIZE] [SIZE=2] 800-370-7805 [/SIZE]

Submitted by on Tue, 09/14/2010 - 16:28

i signed a volntary wage assigment when i got a 10,000 loan for

i signed a volntary wage assigment when i got a 10,000 loan for a car i had and accident and the car was a total lost the insurance did not pay everything now i have to pay the balance but i cant work is to slow how can i stop the wage assigment before it happens what do i do?

Submitted by on Tue, 11/16/2010 - 09:03

stephanie rice

I just had a "run in " with Stephanie myself. She claims that if I didn't pay by 1 pm today, that she would garnish my wages. She called my job at 1:30 pm - after I had already done a payment arrangement form on Emeralds website and told my boss she was sending her a wage garnishment for me. I didn't know she was the COURT too! LOL. Does anyone have her email address? I am sending her and Emerald a letter.

Submitted by on Mon, 12/20/2010 - 15:27

The debt collector cannot garnish your wages unless he has recei

The debt collector cannot garnish your wages unless he has received a judgment against you from the court. If you have already made apayment arrangement, you must have some documents related to it. You can show it to the debt collector in order to stop your wage garnishments. However, I won???t be able to give her email address to you. You can contact the debt collector directly and try to get her email address.

Submitted by on Tue, 12/21/2010 - 03:00

Well, I don't think anyone can garnish your wages unless they ac

Well, I don't think anyone can garnish your wages unless they achieve a judgement against you. Weren't you there at the court?

Submitted by on Fri, 12/24/2010 - 02:26

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What Is Wage Assignment?

Definition and example of wage assignment, how wage assignment works, wage assignment vs. wage garnishment.

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A wage assignment is when creditors can take money directly from an employee’s paycheck to repay a debt.

Key Takeaways

• A wage assignment happens when money is taken from your paycheck by a creditor to repay a debt.
• Unlike a wage garnishment, a wage assignment can take place without a court order, and you have the right to cancel it at any time.
• Creditors can only take a portion of your earnings. The laws in your state will dictate how much of your take-home pay your lender can take.

A wage assignment is a voluntary agreement to let a lender take a portion of your paycheck each month to repay a debt. This process allows lenders to take a portion of your wages without taking you to court first.

Borrowers may agree to allow a lender to use wage assignments, for example, when they take out payday loans . The wage assignment can begin without a court order, although the laws about how much they can take from your paycheck vary by state.

For example, in West Virginia, wage assignments are only valid for one year and must be renewed annually. Creditors can only deduct up to 25% of an employee’s take-home pay, and the remaining 75% is exempt, including for an employee’s final paycheck.

If you agree to a wage assignment, that means you voluntarily agree to have money taken out of your paycheck each month to repay a debt.

State laws govern how soon a wage assignment can take place and how much of your paycheck a lender can take. For example, in Illinois, you must be at least 40 days behind on your loan payments before your lender can start a wage assignment. Under Illinois law, your creditor can only take up to 15% of your paycheck. The wage assignment is valid for up to three years after you signed the agreement.

Your creditor typically will send a Notice of Intent to Assign Wages by certified mail to you and your employer. From there, the creditor will send a demand letter to your employer with the total amount that’s in default.

You have the right to stop a wage assignment at any time, and you aren’t required to provide a reason why. If you don’t want the deduction, you can send your employer and creditor a written notice that you want to stop the wage assignment. You will still owe the money, but your lender must use other methods to collect the funds.

Research the laws in your state to see what percentage of your income your lender can take and for how long the agreement is valid.

Wage assignment and wage garnishment are often used interchangeably, but they aren’t the same thing. The main difference between the two is that wage assignments are voluntary while wage garnishments are involuntary. Here are some key differences:

Once you agree to a wage assignment, your lender can automatically take money from your paycheck. No court order is required first, but since the wage assignment is voluntary, you have the right to cancel it at any point.

Wage garnishments are the results of court orders, no matter whether you agree to them or not. If you want to reverse a wage garnishment, you typically have to go through a legal process to reverse the court judgment.

You can also stop many wage garnishments by filing for bankruptcy. And creditors aren’t usually allowed to garnish income from Social Security, disability, child support , or alimony. Ultimately, the laws in your state will dictate how much of your income you’re able to keep under a wage garnishment.

Creditors can’t garnish all of the money in your paycheck. Federal law limits the amount that can be garnished to 25% of the debtor’s disposable income. State laws may further limit how much of your income lenders can seize.

Illinois Legal Aid Online. “ Understanding Wage Assignment .” Accessed Feb. 8, 2022.

West Virginia Division of Labor. “ Wage Assignments / Authorized Payroll Deductions .” Accessed Feb. 8, 2022.

U.S. Department of Labor. “ Fact Sheet #30: The Federal Wage Garnishment Law, Consumer Credit Protection Act's Title III (CCPA) .” Accessed Feb. 8, 2022.

Sacramento County Public Law Library. “ Exemptions from Enforcement of Judgments in California .” Accessed Feb. 8, 2022.

District Court of Maryland. “ Wage Garnishment .” Accessed Feb. 8, 2022.