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Underwriters of payday loans must also deal with people presenting fraudulent checks as security or making stop payments.
Critics concede that some borrowers may default on smallest toilet front to back the loans, but point to the industry's pace of growth as an indication of its profitability. Florida's no-fault system sunset on October 1, 2007, but a new no-fault law was passed by the Florida legislature, creating a new no-fault system as of January 1, 2008.
In at least one state, New York, the no-fault plan suddenly and unexpectedly led to an enormous flood of litigation beginning around 1995 and continuing unabated to date (2007). It gained the common name of "Snorkel Parka" because the hood can be zipped right up leaving only a small tunnel (or snorkel) for the wearer to look out of Pennsylvania, Foxburg
Oklahoma, Boley
Missouri, Willow Springs
Pennsylvania, Dover
New York, Port Dickinson
Mississippi, Lyman
Missouri, Morley
South Carolina, Woodfield
Kentucky, Hopkinsville
California, Poplar-Cotton Center
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