Despite these reforms, wage loan providers remained the sole option available to the majority of low income families, have been considered bad credit dangers.

Despite these reforms, wage loan providers remained the sole option available to the majority of low income 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 within the agreements plus the arbitration contract from the payday customers would cause … Continued