This guide covers high-cost consumer lending from the structure of the products through the remedies available to a borrower. Parts 1 and 2 explain how the pricing works, where the revenue actually comes from, and how the three product families and the newer app-based variants relate to one another. Parts 3 and 4 set out the federal disclosure regime, the violations that recur, and the payment provisions restricting repeated withdrawal attempts. Part 5 covers state rate caps and the two structures lenders use to avoid them, and Part 6 covers the Military Lending Act, which voids covered contracts from inception. Part 7 covers title loans, repossession, and deficiency, and Part 8 covers collection conduct, litigation defenses, judgment protection, and bankruptcy. Parts 9 and 10 set out the exit sequence in the order that works and the alternatives ranked by cost. Parts 11 and 12 cover advocacy strategy, the claims matrix, and the errors that recur on both sides.