Credit counselors say North Texas families in financial distress often turn to emergency loans, including payday and title loans, only to find that short-term lenders are often unwilling to help them get back on track if they are at risk of falling behind on payments. NBC 5 INVESTIGATES takes those concerns to the loan industry, sparking a conversation that could bring hope to struggling families.

For millions of Texans, car trouble and a sudden $400 repair could spell financial disaster. According to the Federal Reserve, more than one-third of American families don’t have enough cash to cover a $400 emergency. So many turn to emergency loans, and some say they end up regretting it.

“I needed money to help cover things, and then in the end, you know, I was struggling for a lot longer tha

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