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Four years ago on New Year’s Eve in Baton Rouge, Fred Weaver received a voicemail from his credit card company. The message said that Weaver was “ruining his life” by not making his payments on time and demanded the call be returned that night.
When Tiffany Kelly took out a small loan from a payday lending company in Florida, she believed she was dealing with a by-the-books business. Kelly had been turned down for public assistance, and her bank would not lend her any money.