HFC Wants a Copy of My Paystub. I’m Not Going to Give It to Them. – Teri

“Dear Steve,

3 months late on a signature loan. Now they want payment in full.

Can a company (HFC) or thier debt collector tell you that they will only accept payments from you if you send them a copy of your pay stub along with a list of all of your debts. I’m not about to give anyone that isn’t my mortgage company or the IRS a copy of my pay stub. If I don’t do this are they likely to sue.


Dear Teri,

It sounds like they are trying to determine if you can afford a repayment plan using your proof of income and your budget. It sounds reasonable to me if that’s what they are trying to do.

They are within their rights to sue you for failure to make your agreed upon payments. If you don’t want to work with them to create a repayment plan you can afford then you should expect to be sued.

If you are unsure about giving them your proof of income with a paystub, ask them what type of repayment program you might qualify for and see if that is even doable for you. If not, then don’t bother to send them your proof of income and budget and wait for the suit.


You are not alone. I'm here to help. There is no need to suffer in silence. We can get through this. Tomorrow can be better than today. Don't give up.

Damon Day - Pro Debt Coach

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