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Borrowers sued by Loans for Less line up to fulfill with Valerie Stauffer, far left, a senior collections officer utilizing the business, in the City Hall in Southern Ogden, Utah, where tiny claims situations are heard. (Kim Raff for ProPublica)

Borrowers sued by Loans for Less line up to fulfill with Valerie Stauffer, far left, a senior collections officer utilizing the business, in the City Hall in Southern Ogden, Utah, where tiny claims situations are heard. (Kim Raff for ProPublica) We talked to Stauffer...