1.   And to avert trips to small claims court, she says she will not lend to people who already have more than two loans from other payday lenders.

2.   It also was risky for consumers, who previously had nowhere to go in the state if they had a problem with a payday lender.

3.   One business, Advance America, says it provides payday loans but does not accept post-dated checks, the past practice for payday lenders.

4.   Payday lenders require a personal check that serves as collateral for a loan, said Rob Schneider, an attorney for Consumers Union.

5.   Payday lenders thus enlist justices of the peace to act, in effect, as their collection agencies.

6.   Soon she was bounding from one payday lender to another, six in all, borrowing from the next to pay the accumulating fees of the others.

7.   With her credit in ruins, she could not go to a bank for a loan, so she went to payday lenders.

8.   Without such laws, payday lenders operate on shaky legal ground, and they have attracted several lawsuits in states without specific regulations.