Fresh, I know of that company Fingerhut you are talking about and it is a total rip. It's a lot like the rent-to-own furniture centers and those bargain basement computers you see advertised on late night TV, I think the company is called Blue Hippo, where they give you a junky computer for a monthly payment withdrawn from your savings. When buyers use methods like these they will end up paying at least double and probably much, much more.
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