Despite these reforms, wage loan providers remained the only choice available to the majority of low earnings families, have been considered bad credit dangers.

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Despite these reforms, wage loan providers remained the only choice available to the majority of low earnings families, have been considered bad credit dangers. After considering both the procedural and substantive components of unconscionability, *1376 I conclude that enforcing the arbitration clause included in the agreements therefore the arbitration contract contrary to the payday customers […]