I worked for titlemax for a few months...because that's all I could handle. Their recruiter lured me in with promises of fast advancement and promotions and making a lot of money, talking all about their benefits and such. Then at the last second they ask you if you're comfortable going out and finding past-due customers...after you've already said yes to everything else. That should have been my first sign that this wasn't something I should be part of. I quickly learned that "feelings" for customers were basically not allowed and that we must try to get them to borrow as much money as possible at all times, no matter how dire their situation would become 30 days later when the payment was due. They claim 12.99%-9.99% interest however this is recurring every 30 days....the actual APR is closer to 150%...if you pay it off in a year...which they don't want. If you're having promblems with titlemax all I will say is that every office is different and the people in the office make all the difference because those are the actual people who will lend you the money, and make collection calls to you; no one from corporate gets involved. So, if anyone in an office EVER threatens you with a repo, or tells anyone other than you (references, boss, family) about your account information, including the fact that you have a title pawn, or even threatens you with a repo.... CALL CORPORATE. They take this very seriously and the people in the stores will get in trouble for not following policy. Grill them all the way because who knows what kind of lawsuit you could cause them...and let me tell you first hand...they've got the money to pay you off. If you don't pay your bill on the day it's due they will call your home/work/cell once in the morning and once in the evening. On the third day if you still haven't called back they start calling your references, once in the morning, once in the evening, and they will come out to your house. They aren't coming to get the vehicle after 3 days but they are looking for you and for their collateral just so they know whats going on. After you are 30 days late you're gonna be in trouble.....don't let it get that bad because thats when they really start getting serious and start running traces to see where you/the vehicle are and get ready for a repo. I had to quit the job because it was just too much. You meet awful people both doing collections and working with them in the office. They mask themselves with trying to help you but in the end it's just another sleezy pawnshop.... If you read this and still need the loan badly enough the only advice I can offer you is to pay back the amount they tell you on your payback guide every time...if you can't make that payment then don't do it. These are short term loans they try to trap you in for the long-term.... I don't recomend it...though some people are smart about it and pay back the whole loan in 30 days. good luck
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