Despite these reforms, income loan providers were still the only choice available to many low earnings families, who have been considered bad credit risks.

Despite these reforms, income loan providers were still the only choice available to many 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 in addition to arbitration contract from the payday consumers […]