I have been late making my regular payments for a personal loan to OneMain Financial in XXXX, SD. Had contact with them, I told them how much I could pay for now and they continued to call up to XXXX or more times per day. I was late by about XXXX days on regular payments. I did make a smaller payment of {$25.00} which they cashed but they said it was not enough. I stopped answering and called them, left a message that they were not to call my office anymore. A OneMain employee called my office on XXXX/XXXX/15 and my boss answered the phone. He told my boss that OneMain would be garnishing my wages and he would be mailing the paperwork to our office. I have not received a court order or judgments against me. As far as I understand the law, there needs to be a judgment before wage garnishment. This was very embarrassing to me and as far as I know, employers are not a qualified third party and this violated my rights. If I had been served a court order at least I would have been aware that wage garnishment was a possibility. I filed bankruptcy the next day, I had planned on it eventually, but this did cause me a lot of anxiety and also made my coworkers aware of my situation, which was unnecessary. I will talk to my lawyer about a lawsuit against this company. 
