You know who you are. You are the finance companies for the poor, the desperate, and the people who have nothing. You are not banks. You prey on people like us because you know we have no choice, and then you charge interest rates that are so high that there should be a law against it called "entrapment". You know damn well that we can never get out of the trap without outside help (I have no help), but you sweet talk us into it anyway with what I call your "sugar devil voice". You embarrass, humiliate, and harass us with your phone calls when we are late with a payment due to circumstances beyond our control. You are a bunch of fucking assholes and I hope your "finance company" goes bankrupt during this recession. I hate you.