(1) Summary of Significant Accounting Policies (Tables)

6 Months Ended

Jun. 30, 2020

Accounting Policies [Abstract]

Schedule of other income

	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2020		2019		2020		2019
	(In thousands)				(In thousands)
Direct mail revenues	$	501	$	1,051	$	1,684	$	2,387
Convenience fee revenue		530		570		1,060		1,270
Recoveries on previously charged-off contracts		50		45		75		102
Sales tax refunds		208		204		409		431
Other		–		6		41		71
Other income for the period	$	1,289	$	1,876	$	3,269	$	4,261

Supplemental balance sheet information related to leases

	June 30,			December 31,
	2020			2019
	(In thousands)
Operating Leases
Operating lease right-of-use assets	$	23,735		$	23,735
Less: Accumulated amortization right-of-use assets		(9,729	)		(6,600	)
Operating lease right-of-use assets, net	$	14,006		$	17,135
Operating lease liabilities	$	(15,308	)	$	(18,527	)
Finance Leases
Property and equipment, at cost	$	3,224		$	876
Less: Accumulated depreciation		(672	)		(150	)
Property and equipment, net	$	2,552		$	726
Finance lease liabilities	$	(2,586	)	$	(718	)
Weighted Average Discount Rate
Operating lease		5.0	%		5.0	%
Finance lease		6.6	%		6.4	%

Maturities of leases

(In thousands)	Operating			Finance
Year Ending December 31,	Lease			Lease
2020 (excluding the six months ended June 30, 2020)	$	3,903		$	587
2021		7,458			1,170
2022		6,066			992
2023		1,397			42
2024		419			14
Thereafter		282			–
Total undiscounted lease payments		19,525			2,805
Less amounts representing interest		(4,524	)		(219	)
Lease Liability	$	15,308		$	2,586

Lease information

	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2020		2019		2020		2019
	(In thousands)				(In thousands)
Operating lease cost	$	1,885	$	1,886	$	3,769	$	3,775
Finance lease cost		293		44		572		44
Total lease cost	$	2,178	$	1,930	$	4,341	$	3,819

Supplemental cash flow information related to leases

	Three Months Ended				Six Months Ended
	June 30,				June 30,
	2020		2019		2020		2019
Cash paid for amounts included in the measurement of lease liabilities:	(In thousands)				(In thousands)
Operating cash flows from operating leases	$	1,932	$	1,890	$	3,858	$	3,776
Operating cash flows from finance leases		248		36		481		36
Financing cash flows from finance leases		45		8		91		8

Schedule of stock option activity

	Number of Shares (in thousands)			Weighted Average Exercise Price		Weighted Average Remaining Contractual Term
Options outstanding at the beginning of period		15,348		$	4.59		N/A
Granted		1,600			2.47		N/A
Exercised		(256	)		1.76		N/A
Forfeited		(164	)		5.48		N/A
Options outstanding at the end of period		16,528		$	4.42		3.31 years
Options exercisable at the end of period		12,535		$	4.81		2.45 years

Schedule of purchases of company stock

	Six Months Ended
	June 30, 2020				June 30, 2019
	Shares		Avg. Price		Shares		Avg. Price
Open market purchases		25,113	$	2.85		335,546	$	3.95
Shares redeemed upon net exercise of stock options		46,909		2.86		18,424		3.76
Other purchases		–		–		24,500		4.20
Total stock purchases		72,022	$	2.85		378,470	$	3.97