A Richardsville resident and mother of a 6-month old child turned to a payday lender when she found herself a bit short of cash to pay her bills. She borrowed around $400 and repaid it on time. She took out a second loan for about $450 and got behind on it soon afterward. She took out another loan in an attempt to get out from under that one, and was soon so far behind that she was taken to court by the lender. As a receptionist in a doctor’s office and a student at Western Kentucky University, she sends her lender what she can out of each paycheck so she won’t put herself in this position again. She says court costs and fees have cost her between one and two thousand dollars.