(1) Summary of Significant Accounting Policies (Tables)

9 Months Ended

Sep. 30, 2020

Accounting Policies [Abstract]

Schedule of other income

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2020		2019		2020		2019
	(In thousands)				(In thousands)
Direct mail revenues	$	760	$	1,121	$	2,444	$	3,508
Convenience fee revenue		280		600		1,340		1,870
Recoveries on previously charged-off contracts		4		30		79		132
Sales tax refunds		192		200		601		631
Other		3		43		44		114
Other income for the period	$	1,239	$	1,994	$	4,508	$	6,255

Supplemental balance sheet information related to leases

	September,			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		(11,280	)		(6,600	)
Operating lease right-of-use assets, net	$	12,455		$	17,135
Operating lease liabilities	$	(13,698	)	$	(18,527	)
Finance Leases
Property and equipment, at cost	$	3,352		$	876
Less: Accumulated depreciation		(945	)		(150	)
Property and equipment, net	$	2,407		$	726
Finance lease liabilities	$	(2,457	)	$	(718	)
Weighted Average Discount Rate
Operating lease		5.0	%		5.0	%
Finance lease		6.5	%		6.4	%

Maturities of leases

(In thousands)	Operating			Finance
Year Ending December 31,	Lease			Lease
2020 (excluding the nine months ended September 30, 2020)	$	1,959		$	305
2021		7,458			1,217
2022		6,066			1,038
2023		1,397			71
2024		419			14
Thereafter		282			–
Total undiscounted lease payments		17,581			2,645
Less amounts representing interest		(4,524	)		(188	)
Lease Liability	$	13,698		$	2,457

Lease information

	Three Months Ended				Nine Months Ended
	September 30,				September 30,
	2020		2019		2020		2019
	(In thousands)				(In thousands)
Operating lease cost	$	1,885	$	1,884	$	5,654	$	5,659
Finance lease cost		299		46		871		90
Total lease cost	$	2,184	$	1,930	$	6,525	$	5,749

Supplemental cash flow information related to leases

	Three Months Ended				Nine Months Ended
	September 30,				September 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	$	1,945	$	1,901	$	5,803	$	5,678
Operating cash flows from finance leases		256		37		737		73
Financing cash flows from finance leases		42		9		133		17

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		(269	)		1.75	N/A
Forfeited		(215	)		5.55	N/A
Options outstanding at the end of period		16,464		$	4.41	3.07 years
Options exercisable at the end of period		12,816		$	4.78	2.30 years

Schedule of purchases of company stock

	Nine Months Ended
	September 30, 2020				September 30, 2019
	Shares		Avg. Price		Shares		Avg. Price
Open market purchases		44,247	$	2.94		335,546	$	3.95
Shares redeemed upon net exercise of stock options		46,909		2.86		18,424		3.76
Other purchases		200,000		3.51		24,500		4.20
Total stock purchases		291,156	$	3.32		378,470	$	3.97