• It’s a little extra operational overhead, but they should proceed with the program everywhere but the areas that are subject to those specific appeals courts. Whenever a borrower from one of those states applies, just send back a form letter naming the judges who’ve blocked their access to relief from the predatory practices of lenders, and spell it out for them. Name the governors and other state officials who signed on to the challenge, then use the form letter to foment action against them.