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When Tiffany Kelly took out a small loan from a payday lending company in Florida, she believed she was dealing with a by-the-books business. Kelly had been turned down for public assistance, and her bank would not lend her any money.
Andrea Felts was going through a costly divorce and needed some extra money to make ends meet. So she took out three online loans. When the lenders began charging illegally high interest rates, Felts filed a lawsuit and Public Justice joined her lead counsel.