If you want to learn what happened, then pay the $45.00 and get a copy of the complaint, because all of your speculation and accusation will look foolish. And if you had done your research, 90% of all of these types of lenders (variable-rate death spiral) have complaints against them. Its the nature of the cesspool in which you play, called the OTC. Sp stop speculating she made a bad decision until you have all the facts. Then, if you want to criticize, feel free to do so. In the meantime she sued them all for millions.
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