Georgia law in regard to out of state payday loan

I am a Georgia resident
I obtained a payday loan at a store in Alabama (the money store)
they nsf'd my bank 3 times
now threatining legal action, recieved summons from Alabama small claims court
Are Georgia residents protected from out of state lenders if
the loan was made in Alabama at a storefront??????
I have heard various opinions but need facts before I go to court, or dont go to court.
Thanks.

I'm not certain about this but I am going to direct this to someone who does. Keep checking back.

Crossing a state line to get a loan subjects you to the laws of the lenders state. The recent appeals court decision in Quik Payday makes it clear that "something" has to happen in your state - other than the mere fact that you live there - for your state's laws to apply. In that case, the appeals court used the hypothetical of a Kansas resident that works in Missouri getting an internet loan from their work computer instead of their home computer. They said that if a Missouri computer was used Kansas law wouldn't apply. (They didn't say whether Missouri law or the lender's state law would apply.)

Check with your states Department Of Financial Inst. They would be able to help answer your questions.