1. Summary of Significant Accounting Policies (Tables)

3 Months Ended

Mar. 31, 2020

Accounting Policies [Abstract]

Schedule of other income

	Three Months Ended
	March 31,
	2020		2019
	(In thousands)
Direct mail revenues	$	1,183	$	1,336
Convenience fee revenue		530		700
Recoveries on previously charged-off contracts		25		57
Sales tax refunds		202		227
Other		41		65
Other income for the period	$	1,981	$	2,385

Supplemental balance sheet information related to leases

	Year Ended,
	March 31, 2020
	(In thousands)
Operating Leases
Operating lease right-of-use assets	$	23,735
Less: Accumulated amortization right-of-use assets		(8,194	)
Operating lease right-of-use assets, net	$	15,541
		$
Operating lease liabilities		(16,892	)
		$
Finance Leases		$
Property and equipment, at cost	$	3,062
Less: Accumulated depreciation		(404	)
Property and equipment, net	$	2,658
		$
Finance lease liabilities	$	(2,673	)
		$
Weighted Average Discount Rate		$
Operating lease		5.0%
Finance lease		6.5%

Maturities of operating leases

Maturities of lease liabilities were as follows:	$
(In thousands)	Operating
Year Ending December 31,	Lease
2020 (excluding the three months ended March 31, 2020)	$	5,831
2021		7,449
2022		6,058
2023		1,389
2024		411
Thereafter		278
Total undiscounted lease payments		21,416
Less amounts representing interest		(4,524	)
Lease Liability	$	16,892

Maturities of finance leases

Maturities of lease liabilities were as follows:
(In thousands)	Finance
Year Ending December 31,	Lease
2020 (excluding the three months ended March 31, 2020)	$	835
2021		1,110
2022		931
2023		27
2024		14
Thereafter		–
Total undiscounted lease payments		2,917
Less amounts representing interest		(244	)
Lease Liability	$	2,673

Lease information

	Three Months Ended
	March 31,
	2020		2019
	(In thousands)
Operating lease cost	$	1,885	$	1,889
Finance lease cost		278		–
Total lease cost	$	2,163	$	1,889

Supplemental cash flow information related to leases

	Three Months Ended
	March 31,
	2020		2019
	(In thousands)
Cash paid for amounts included in the measurement of lease liabilities:		$
Operating cash flows from operating leases	$	1,926	$	1,886
Operating cash flows from finance leases		231		–
Financing cash flows from finance leases		46		–

Schedule of stock option activity

	Number of Shares			Weighted Average Exercise		Weighted Average Remaining Contractual
	(in thousands)			Price		Term
Options outstanding at the beginning of period		15,348		$	4.59	N/A
Granted		–			–	N/A
Exercised		(28	)		1.73	N/A
Forfeited		–			–	N/A
Options outstanding at the end of period		15,320		$	4.59	3.10 years
Options exercisable at the end of period		11,844		$	4.86	2.50 years

Schedule of purchases of company stock

	Three Months Ended
	March 31, 2020				March 31, 2019
	Shares		Avg. Price		Shares		Avg. Price
Open market purchases		–	$	–		335,546	$	3.95
Shares redeemed upon net exercise of stock options		–		–		5,500		4.20
Other purchases		–		–		24,500		4.20
Total stock purchases		–	$	–		365,546	$	3.97

Schedule of computation of earnings per share

	Three Months Ended
	March 31,
	2020		2019
	(In thousands)
Weighted average number of common shares outstanding during the period used to compute basic earnings per share		22,539		22,242
		$
Incremental common shares attributable to exercise of outstanding options and warrants		1,340		2,017
		$
Weighted average number of common shares used to compute diluted earnings per share		23,879		24,259