The usurers in Russia Good evening! Today i wanna to tell about the userers in Russia. Since 2005th in Russia appeared a firms, which begun to lend to people, who cannot afforded to take the credit from the banks, because this people have a bad credit story and they have not a official earning. This firms had giving to people the micro lend. The summes of this lends were not large, for 500 - 15000 rub. The lends had been giving for short time, for 5 to 15 days. But this lends were very expensive. The interest for using the loans were for 2 to 5 percent per day. Many people took this loans and fell into financial bondage. As there was not the law govering the micro lends as the courts sided with the lender. Only on 18 th june 2010 was adopt the law about the micro lend and the firms, which are giving the micro loan. Since then the Russian legislator regular adopts the acts protecting people from unjust conditions of the micro lend. Probably, in some years this business will gone forever. Is there a similar business in US or the UK?

Access to Justice I'm a russian lawyer. My work feeds my family. Nevertheless, in Russia each human can defend his rights in the court on his own. Personally for me this situation is unprofitable. But for people of my country it is very well. I often face people in trials, who haven’t legal education. And they enough successfully resists me in standard affairs. This opportunity is very useful for ordinary person, who not have enough money for lawyer. It allows to hold rates on services of lawyers at the acceptable level. The lawyer’s monopoly exists just for criminal cases. And how the situation with access to justice in the USA is?