Churches use advocacy, small loans to fight predatory lending
Frederick Douglass Haynes III, a pastor in Dallas, saw two dozen payday loan and car-title loan stores open in a five-mile radius in his community.

Anyra Cano Valencia was having dinner with her husband, Carlos, and their family when an urgent knock came at their door.
The Valencias, pastors at Iglesia Bautista Victoria en Cristo in Fort Worth, Texas, opened the door to a overwhelmed congregant.
The woman and her family had borrowed $300 from a “money store” specializing in short-term, high-interest loans. Unable to repay quickly, they had rolled over the balance while the lender added fees and interest. The woman also took out a loan on the title to the family car and borrowed from other short-term lenders. By the time she came to the Valencias for help, the debt had ballooned to more than $10,000. The car was scheduled to be repossessed, and the woman and her family were in danger of losing their home.