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
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