Despite these reforms, wage lenders remained the option that is only to the majority of low income families, have been considered bad credit risks.

Despite these reforms, wage lenders remained the option that is only to the majority of low income families, have been considered bad credit risks. 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 …