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Because Appleseeds study only covered eight of Texas 254 counties, there are likely more cases statewide. And Texas is not alone. In 2011, The Wall Street Journal found that more than a third of states allow borrowers to be jailed, even though federal law mandates that loan repayment be treated as a civil issue rather than a criminal one. Theres a lot more to learn about the practice itself, how widely its used, and its effect on consumers, Mary Spector, a law professor at Southern Methodist University who specializes in debt collection issues, told HuffPost.
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