This article needs additional citations for verification. Please help improve this section by expanding it. Further information might be found on the talk page. (June 2008) The number of payday loans must also deal with people presenting fraudulent checks as security or making stop payments. Critics concede that some borrowers may default on the loans, but point to the industry's pace of growth as an indication of its profitability. Consumer advocates condemn the practice as a whole, regardless of its profitability, because it "takes advantage of consumers who are already hard-pressed to

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