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(1) Summary of Significant Accounting Policies (Tables)

6 Months Ended

Jun. 30, 2021

Accounting Policies [Abstract]

Schedule of other income

Schedule of other income
		Three Months Ended								Six Months Ended
		June 30,								June 30,
			2021				2020				2021				2020
			(In thousands)								(In thousands)
Direct mail revenues		$	890			$	501			$	1,869			$	1,684
Convenience fee revenue			180				530				420				1,060
Recoveries on previously charged-off contracts			45				50				60				75
Sales tax refunds			118				208				289				409
Other			96				–				127				41
Other income for the period		$	1,329			$	1,289			$	2,765			$	3,269

Supplemental balance sheet information related to leases

Supplemental balance sheet information related to leases
		June 30,				December 31,
		2021				2020
			(In thousands)
Operating Leases
Operating lease right-of-use assets		$	23,850			$	23,735
Less: Accumulated amortization right-of-use assets			(15,668	)			(12,792	)
Operating lease right-of-use assets, net		$	8,182			$	10,943
Operating lease liabilities		$	(9,143	)		$	(12,096	)
Finance Leases
Property and equipment, at cost		$	3,407			$	3,407
Less: Accumulated depreciation			(1,788	)			(1,226	)
Property and equipment, net		$	1,619			$	2,181
Finance lease liabilities		$	(1,691	)		$	(2,243	)
Weighted Average Discount Rate
Operating lease			5.0%				5.0%
Finance lease			6.5%				6.5%

Maturities of leases

Maturities of leases
Maturities of lease liabilities were as follows:
(In thousands)			Operating				Finance
Year Ending December 31,			Lease				Lease
2021 (excluding the six months ended June 30, 2021)		$	3,659			$	613
2022			6,092				1,050
2023			1,423				84
2024			445				26
2025			308				9
Thereafter			3				–
Total undiscounted lease payments			11,930				1,782
Less amounts representing interest			(2,787	)			(91	)
Lease Liability		$	9,143			$	1,691

Lease information

Lease information
		Three Months Ended								Six Months Ended
		June 30,								June 30,
			2021				2020				2021				2020
			(In thousands)								(In thousands)
Operating lease cost		$	1,793			$	1,885			$	3,630			$	3,769
Finance lease cost			308				293				616				572
Total lease cost		$	2,101			$	2,178			$	4,246			$	4,341

Supplemental cash flow information related to leases

Supplemental cash flow information related to leases
		Three Months Ended								Six Months Ended
		June 30,								June 30,
			2021				2020				2021				2020
Cash paid for amounts included in the measurement of lease liabilities:			(In thousands)								(In thousands)
Operating cash flows from operating leases		$	1,892			$	1,932			$	3,822			$	3,858
Operating cash flows from finance leases			278				248				552				481
Financing cash flows from finance leases			30				45				65				91

Share-based Payment Arrangement, Option, Activity

Share-based Payment Arrangement, Option, Activity
										Weighted
										Average
		Number of				Weighted				Remaining
		Shares				Average				Contractual
		(in thousands)				Exercise Price				Term
Options outstanding at the beginning of period			15,977			$	4.46			N/A
Granted			–				–			N/A
Exercised			(676	)			1.66			N/A
Forfeited			(272	)			5.07			N/A
Options outstanding at the end of period			15,029			$	4.57			2.38 years
Options exercisable at the end of period			12,741			$	4.85			1.86 years

Schedule of stock options outstanding and exercisable

Schedule of stock options outstanding and exercisable
		Number of shares as of								Number of shares as of
		June 30, 2021								December 31, 2020
			Outstanding				Exercisable				Outstanding				Exercisable
Range of exercise prices:			(In thousands)								(In thousands)
$0.95 - $1.99			1,390				1,390				1,904				1,904
$2.00 - $2.99			1,570				528				1,570				180
$3.00 - $3.99			4,774				3,469				4,973				3,306
$4.00 - $4.99			1,510				1,510				1,540				1,217
$5.00 - $5.99			–				–				–				-
$6.00 - $6.99			4,685				4,685				4,770				4,770
$7.00 - $7.99			1,190				1,190				1,220				1,220
Total shares			15,119				12,772				15,977				12,597

Schedule of purchases of company stock

Schedule of purchases of company stock
		Six Months Ended
		June 30, 2021								June 30, 2020
			Shares				Avg. Price				Shares				Avg. Price
Open market purchases			301,088			$	4.18				25,113			$	2.85
Shares redeemed upon net exercise of stock options			56,983				4.47				46,909				2.86
Total stock purchases			358,071			$	4.42				72,022			$	2.85

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