[GovernmentShrinker]

The trouble is that this kind of lending quickly sends people into even deeper financial stratis, and when they can no longer borrow from “payday” or car title lenders, they often move on to organized crime lenders (or onto welfare). I really don’t think these outfits are making a dent in criminal loan-sharking.

[Clemenza]

On another note, I understand that the subprime squeeze is a major issue in certain counties in Pennsylvania (the Pocono and Lehigh Valley region) despite the fact that central and northern New Jersey do not have the problem on the same scale.

I knew that the Poconos were a place to avoid when I saw them advertising zero money down homes for that area in the worst parts of the Bronx...