A creditor may not directly or indirectly take or receive from a debtor an obligation that constitutes or contains an assignment of wages or other earnings unless (1) the assignment by its own terms is revocable at the will of the debtor; (2) the assignment is a payroll deduction plan, commencing at the time of the transaction, in which the debtor authorized a series of wage deductions as a method of making each payment; or (3) the assignment applies only to wages or other earnings already earned at the time of the assignment.
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