Elsie Williams was born in Atlanta, graduated from a vocational school, and then worked for years as a maid in New York City hotels including the Hilton. She later returned to Atlanta and moved into a subsidized public high-rise. When she took out her $204.84 loan on Jan. 9, 2001, she says cataracts made it difficult for her to read the paperwork. Ms. Williams says she didn't realize that Mr. Stewart's salesman also charged her an additional $73.50 for death-and-dismemberment insurance, as well as another $10 insurance-related fee. Including finance charges, the principal and insurance, Ms. Williams agreed to pay a total of $360 in five monthly installments of $72 -- an effective annual percentage rate of <Blocked Out>%, according to the loan document.

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