My question involves an auto loan or repossession in the State of: Alabama/Georgia
I stupidly took out a title pawn on my vehicle on 7/28/2012 with TitleMax in a small Central Alabama town, making my first payment due on 8/27/2012. I relocated to Georgia on 8/3/2012. On 8/17/2012, I called TitleMax to make my payment. They refused to accept my payment stating that all payments had to be made in person so that a new pawn ticket could be issued. They informed me that my only means of payment were now through a limited power of attorney granted to an acquaintance that could make the face-to-face payment. I consulted a lawyer who (after a good thrashing about the title loan), told me that a limited power of attorney was too risky and that TitleMax had to take payment when offered, regardless of the means. TitleMax sent a repo crew over this evening and they have taken my vehicle. they say I can get the vehicle back as soon as I make the payment. Am I supposed to fly to Alabama and make the payment there? Have they violated any laws by repossessing my vehicle across state lines? What are my options for making payments? I've read through the Alabama Pawnshop Act Code as well as there pawn ticket and there is no mention of a personal visit to make payment. What should I do?