GREENVILLE, S.C. -- The downtown branch of World Acceptance Corp. is tucked away on a side street with other small loan companies, its presence announced only by simple lettering across the window.

Manager James L. Hammons, wearing a white shirt and tie but no jacket, is preparing to call some delinquent accounts - "the worst part of the job," he says - while a female employee takes information from a couple sitting in a cubbyhole to the side.

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