What is the difference with these 2 predatory lenders, one is a neighborhood person who may charge 40-50% apr on the loan and then you have montell williams and his crew legitimized through the govt but they charge up to 400% on their APR, which seems is way more crooked than the street guys and Congress and the US Banking industry thinks this is good. I guess only difference is you can default on Montells loans and be ok and the other you could possibly get beat