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Underwriters of payday loans must also deal with people presenting fraudulent checks as security, ordering a check stopped, or closing their account.[citation needed] Critics concede that some borrowers may default on the loans, obtain free credit report Twin falls but point to the industry's pace of growth as an indication obtain free credit report Twin falls of its profitability. Consumer advocates condemn the practice as a whole, regardless of its profitability, because it "takes advantage of consumers who are already hard-pressed to pay their debts".[10] According to the Dallas Morning News, in 2008 the U.S.'s largest payday obtain free credit report Twin falls lender, Advance America, "made $4.2 billion in payday loans and charged $676 million in interest and fees." And "Cash America, a pawnshop operator and payday lender based in Fort Worth, recorded net income of $81 million last year – a 132 percent increase in just four years – on total revenue of $1.03 billion."[11] Opponents of government regulation of payday loan businesses argue that some obtain free credit report Twin falls individuals that require the use of payday loans have already exhausted or ruined any other alternatives. Such consumers could potentially be forced to turn to loan obtain free credit report Twin falls sharks or other illegal sources if not for payday loans. Tom Lehman, an advocate of unfettered payday lending, said, Lehman attacked proponents of increased regulation of the lending industry, arguing that, Lehman has in turn been criticized for presenting himself as an independent voice while taking money from the payday loan industry.[13] obtain free credit report Twin falls A staff report released by the Federal Reserve Bank of New York concluded that payday loans should not be categorized as "predatory" since they may improve household welfare.[14] "Defining and Detecting Predatory Lending" reports "if payday lenders raise household welfare by relaxing credit constraints, anti-predatory legislation may lower it." The author of the obtain free credit report Twin falls report, Donald P.