Payment arrangements

I live in Alabama and I have a payday loan with Approved Cash Advance. I have been a customer here for 3 years off and on. The people have always been very friendly, respectful and helpful and I have had to pay off a loan in payments before,there and 2 other places to be exact. I always say "never again" but in this economy who doesn't need help and I am on a single income. So they have this new manager, a young girl who has NO expertise in customer service. She is rude, confrontational, hostile, difficult and thinks she yields some kind of power. My sister defaulted on a loan and now this woman is taking her hostility out on me. I was unable to pick up my check last payday but I did go in and talked with another agent. He told me the check would be deposited and once they got it back I could come in and make arrangements. He has worked there a few years so he should know the procedure. So this girl called me today. Her message was not very friendly. She demanded " CALL ME ABOUT YOUR ACCOUNT TODAY". No kindness what so ever. So I go in after work ready to make arrangements and she REFUSED. She said she was not going to deposit the check and I could come in on payday and pay the interest plus 25.00 until the loan is paid off. She is giving me a hard time because I am not at liberty tell her where my sister moved. I do not feel it is my place to do that. I have researched this payment arrangement ordeal before and it states that they have to offer you 4 monthly installments to satisfy your debt. She was rude and hostile, as usual and I asked her why she was being so hateful and she said " you have paid on time until your sister defaulted". I told her my sister's business was not MY business and I wanted to work out a payment arrangement. She flatly refused and said "I will garnish your wages, I will take your check to the courthouse (like that will help anything, I know she can't file criminal charges for a bad check in this state) and she went on and on with her threats. I told her I had worked out arrangements there before and she said "that was the last manager and I DON"T DO BUSINESS LIKE SHE DOES" like she can just make up her own rules as she goes along. All the other payday loan companies I have ever done business with have been more than willing to make arrangements and I have kept up my end of the arrangements and paid them off. This girl even condesendently said to me "my husband left me 3 months ago and I PAY MY BILLS. I don't blame him for leaving. Anyway that was very unprofessional and she is totally resistant to work with me even though I want to pay the debt in installments. I cannot pay it in full. She said to me "you WILL pay this debt." I never refused to do so. So long very long story, what can I do? I am planning to call the corporate office tomorrow and file a complaint because of her attitude and unprofessionalism plus the fact she has been harrassing me by phone for my sisters debt. I even told her not to ever call me about my sisters debt again and hung up. She immediatley called me right back. She went to where my sister used to live and my nephew told her she didn't live there anymore and to leave. She told him she would leave when she was ready and asked if she could come in and look around to be sure my sister wasn't there. He told her to get off his porch or he would have her removed for trespassing. I have referrred many people to Approved Cash Advance over the years because they are so very nice but this woman is a nightmare. I told her she would have a better rapport with her customers if she wasn't so hateful and difficult. Do they still have to offer me the four installment option or can they take action immediately even though I am willing to pay over time? Also I did not sign a seperate agreement for them to assess my wages so I don't know if it is hidden in the contract. They never give me a copy of the contract. Any help and suggestions would be welcome! Also just because I live in Alabama does not mean I am stupid and need this explained in football terms like a post I read earlier. Thanks