Everybody knows payday loan providers are predatory sharks preying on the poor and helpless. The problem is, how do you distinguish them from the saintly provi

Everybody knows payday loan providers are predatory sharks preying on the poor and helpless. The problem is, how do you distinguish them from the saintly providers of short-term emergency loans? Short-term emergency loans can make dramatic differences in the lives of the poor and helpless. They can help people "get over the hump", so to speak, and prevent utter disaster. Unfortunately, people who need such loans often default, resulting in high interest rates. Also unfortunate is that many people live their lives in a state of near-constant emergency. But what can you do? The constancy of their emergencies doesn't make them any less bad. http://en.wikipedia.org/wiki/If_by_whiskey http://en.wikipedia.org/wiki/If_by_whiskey