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Hoyes Michalos & Associates, a insolvency that is toronto-based company, circulated a study saying that 31% of insolvent borrowers utilized pay day loans in 2017, up from 27% of insolvent borrowers whom utilized the solution in 2016.
The Province of Ontario capped interest levels pay day loans effective January 1. Public policy think-tank Cardus Work & Economics ended up being critical regarding the move, since it does not borrowers any viable alternatives. Cardus did praise the province for permitting credit unions to behave as an option to loan that is payday. (more…)