(1) Summary of Significant Accounting Policies (Tables)

3 Months Ended

Mar. 31, 2021

Accounting Policies [Abstract]

Schedule of other income

	Three Months Ended
	March 31,
		2021		2020
		(In thousands)
Direct mail revenues	$	979	$	1,183
Convenience fee revenue		240		530
Recoveries on previously charged-off contracts		15		25
Sales tax refunds		171		202
Other		31		41
Other income for the period	$	1,436	$	1,981

Supplemental balance sheet information related to leases

	March 31,			December 31,
	2021			2020
		(In thousands)
Operating Leases
Operating lease right-of-use assets	$	23,840		$	23,735
Less: Accumulated amortization right-of-use assets		(14,257	)		(12,792	)
Operating lease right-of-use assets, net	$	9,583		$	10,943
		$
Operating lease liabilities	$	(10,643	)	$	(12,096	)
		$
Finance Leases		$
Property and equipment, at cost	$	3,407		$	3,407
Less: Accumulated depreciation		(1,507	)		(1,226	)
Property and equipment, net	$	1,900		$	2,181
		$
Finance lease liabilities	$	(1,969	)	$	(2,243	)
		$
Weighted Average Discount Rate		$
Operating lease		5.0%			5.0%
Finance lease		6.5%			6.5%

Maturities of leases

Maturities of lease liabilities were as follows:		$
(In thousands)		Operating			Finance
Year Ending December 31,		Lease			Lease
2021 (excluding the three months ended March 31, 2021)	$	5,549		$	921
2022		6,089			1,051
2023		1,421			84
2024		443			26
2025		305			9
Thereafter		2			–
Total undiscounted lease payments		13,809			2,091
Less amounts representing interest		(3,166	)		(122	)
Lease Liability	$	10,643		$	1,969

Lease information

	Three Months Ended
	March 31,
		2021		2020
		(In thousands)
Operating lease cost	$	1,837	$	1,885
Finance lease cost		308		278
Total lease cost	$	2,145	$	2,163

Supplemental cash flow information related to leases

	Three Months Ended
	March 31,
		2021		2020
Cash paid for amounts included in the measurement of lease liabilities:		(In thousands)
Operating cash flows from operating leases	$	1,930	$	1,926
Operating cash flows from finance leases		274		231
Financing cash flows from finance leases		35		46

Share-based Payment Arrangement, Option, Activity [Table Text Block]

	Number of Shares			Weighted Average Exercise		Weighted Average Remaining Contractual
	(in thousands)			Price		Term
Options outstanding at the beginning of period		15,977		$	4.46	N/A
Granted		–			–	N/A
Exercised		(98	)		3.05	N/A
Forfeited		(45	)		3.65	N/A
Options outstanding at the end of period		15,834		$	4.47	2.58 years
Options exercisable at the end of period		12,499		$	4.82	1.87 years

Schedule of stock options outstanding and exercisable

	Number of shares as of			Number of shares as of
	March 31, 2021			December 31, 2020
		Outstanding	Exercisable		Outstanding	Exercisable
Range of exercise prices:		(In thousands)			(In thousands)
$0.95 - $1.99		1,878	1,878		1,904	1,904
$2.00 - $2.99		1,570	180		1,570	180
$3.00 - $3.99		4,863	3,234		4,973	3,306
$4.00 - $4.99		1,533	1,217		1,540	1,217
$5.00 - $5.99		–	–		–	–
$6.00 - $6.99		4,770	4,770		4,770	4,770
$7.00 - $7.99		1,220	1,220		1,220	1,220
Total shares		15,834	12,499		15,977	12,597

Schedule of purchases of company stock

	Three Months Ended
	March 31, 2021				March 31, 2020
		Shares		Avg. Price		Shares		Avg. Price
Open market purchases		138,004	$	4.18		–	$	–
Shares redeemed upon net exercise of stock options		40,727		4.36		–		–
Total stock purchases		178,731	$	4.22		–	$	–