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In particular, a lender—as when it has the right to initiate transfers from a consumer's account—can continue to obtain payment as long as the consumer receives income, even if the consumer does not have the ability to repay the loan while meeting her major financial obligations and basic living expenses.
The previous record for a single year was during the war in the Balkans in the early 1990s, when Sweden took in around 84,000.
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Payday lenders claim they are the only option for debt-strapped consumers, which is why the provincial government allows them to operate.