Let’s be realistic here. It’s not the lender’s faults that the public is taking advantage of a “Payday Loan” it’s the consumers responsibility. Most are living beyond their means. That’s not a “lender” fault. Sure the fee, is not what the consumer wants, but let’s be real. Nothing in life is free. If you don’t pay your phone bill, the end result is that it is disconnected. Right? Yes, that is correct, does that mean the State should create a bill to allow the end user not to get the “phone bill” shut off because they took advantage of their current plan and now it’s the cell phone’s company that they can’t pay the bill because they charged extra per minute?

The truth is right in everyone’s face. The States are against Payday Lending and it should be a choice. Freedom of Choice to allow an individual to make their own decisions and not to allow the government to intercept.