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Trying to negotiate with two check advance companies

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I have two checks I used as collateral for two payday loans in Cleveland TN is Ameritrust. In Copperhill TN is Advance America. I live in Gilmer County Georgia and in Georgia check advance companies are illegal. I have written 5 checks to Ameritrust, borrowed amount is $400, interest is 72.38 on the borrowed amount to be turned around bi weekly. Advance America is borrowed amount $425 and interest is $75 paid monthly in check turn around and I believe I've written 6 checks with them. I contacted Ameritrusts coporate office today. I was calm, low key, respectful and no abusive. I simply told her flat out this is what I have to do and this is what I'm going to do. I offered them $50 a month by money order beginning on July 7th 2017 to pay off the $472.38. She said I was bring hostile and kept repeating over and over despite my calm nature why are you being hostile, as if trying to trap me in something. I will making the same exact call to advance America this week. Under TN annotated this is a loan contract and not a criminal but civil matter. I told her I had researched this already. Yet again told I was being hostile. Am I correct they can do nothing to me criminally? I am self employed and have no check to garnish. Told her that also. Once again told I was bring hostile. Advice please




If they are illegal, you just need to pay the principal amount.

Sub: #1 posted on Fri, 06/23/2017 - 05:04

sanderspatricia29 sanderspatricia29

(Posts: 724 | Credits: 75.57)

Hello )))I have such a situation, a shortage of money to buy a car. I have a bad credit history. I would like to know the opinion of Internet users loans - where better to take a loan. please advise. use the search engine Google, did not inspire confidence. Please give a link and description of the company, which can provide 100% loan for those with bad credit history Thanks in advance

Sub: #2 posted on Sun, 06/25/2017 - 17:18

Unregistered


Hello )))I have such a situation, a shortage of money to buy a car. I have a bad credit history. I would like to know the opinion of Internet users loans - where better to take a loan. please advise. use the search engine Google, did not inspire confidence. Please give a link and description of the company, which can provide 100% loan for those with bad credit history Thanks in advance


Stop creating duplicate posts. Increase your credit score. Otherwise, you have to pay double interest rate on your loans.

Sub: #3 posted on Mon, 06/26/2017 - 20:25

SC SC
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(Posts: 3937 | Credits: 398.71)

Hi Sherrie,

I would possibly send letters or email to the Ameritrust company and avoid calling, since you've had a bad experience with them. As far as I know, Advance America is a legal lender, but they should offer you a extended payment plan to pay them off. I hope this helps.

Sub: #4 posted on Tue, 06/27/2017 - 02:16

WB WB

(Posts: 28 | Credits: 3.05)

Advance America is legal. In fact, they are a member of CFSA. I checked their official website. They offer alternative repayment plans to their customers. You should contact them fast. They don't report to credit reporting agencies.

Sub: #5 posted on Mon, 07/03/2017 - 21:45

SC SC
Moderators
(Posts: 3937 | Credits: 398.71)

Both are legit lenders. Ask for Payment. Plans

Sub: #6 posted on Mon, 07/10/2017 - 21:22

Michael Puttman Michael Puttman

(Posts: 10 | Credits: 1)

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