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Judy S. Moon(left) of Charlson Braber McCabe & Denmark and Melanie J. Foreman(right) of Marshall Dennehey Warner Coleman & Goggin. Judy S. Moon(left) of Charlson Braber McCabe & Denmark and Melanie J. Foreman(right) of Marshall Dennehey Warner Coleman & Goggin.

The Federal Reserve has lowered the federal funds rate twice in the past four months. These cuts can sometimes help would-be borrowers by reducing interest rates for things like automobile loans or credit card debt. Or so one would think. For a large number of Philadelphians, particularly those already saddled with debt and without significant savings, these cuts do nothing to stave off the groundswell of predatory lenders seeking to take advantage of the economically vulnerable.

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