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An aggressive lawyer, like Matthew McConaughey in The Lincoln Lawyer,” might think he has the upper hand in debt collection, but you have rights. This result suggests that although payday loan bans may not affect the number of individuals taking out AFS loans, those who continue to use AFS loans after a ban are more likely to use them for emergency expenses, such as a shock to the household’s income, rather than for special gifts or recurring expenses. Other providers might offer emergency loans with bad credit as a separate loan product, which has the possibility to incur higher fees …