This case began with a lawsuit filed by Wendy Betts, who paid more than $1,400 in fees over 18 months for the use of $300 from National Cash Advance. She alleged that the company violated Florida usury and unfair trade laws. Citing a 2002 ruling by the 5th District Court, the trial judge granted summary judgment for National Cash Advance. But Betts appealed to the 4th District Court, which overturned the trial judge and ruled that the transactions were usurious loans.