And borrowing from loan sharks or other criminals is not the best idea. A predatory pay day loan company can set you up to fail in civil procedings about the mo

And borrowing from loan sharks or other criminals is not the best idea. A predatory pay day loan company can set you up to fail in civil procedings about the money you owe them, and then garnish your wages, take your savings, resposess your car, etc. But there's still a limit to what they can do, and there's still that final-resort escape hatch of bankruptcy procedings. Conversely, criminals, by definition not being bound by any such structures, can come take not just your wages or savings, but also you kidneys, your wife or daughter, etc. This is not to say that all criminal lenders are or would immediately become as bad as the worst stereotypes about the mafia, but whom do you think it would be a better to owe money to, when considering your long term ability to get out of debt, or even the long-term survival of yourself or family & friends? Predatory Payday Providers, or Big Tony?