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Despite these reforms, wage loan providers remained the option that is only to the majority of low earnings families, who have been considered bad credit risks.

Despite these reforms, wage loan providers remained the option that is only to the majority of low earnings families, who have been considered bad credit risks. After considering both the procedural and substantive aspects of unconscionability, *1376 I conclude that enforcing the arbitration clause included in the agreements as well as the arbitration agreement up…

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