Most of Ruby Gordon's contracts are through Wells Fargo. Some are through predatory lender Household International. In 2005 shoppers must watch out for name changes. Predatory lender Household International - the last company on earth that you want for your Ruby Gordon financing - is now called HSBC Finance Corporation.

Consumers should also be aware that retail financing is done through the retail services arm of most financing organizations. This is true for GE, CitiFinancial, and HSBC (formerly Household International.) Carrying this one step further, in an attempt to avoid the stigma of predatory lending some retailers present the customer with "financing through Retail Services."

"Financing through Retail Services" is a generic term, and is often used by sales staff before the customer commits. After, however, the customer is presented with the real truth - Household Retail Services, or HSBC Finance Corporation Retail Services. No matter what they call themselves now it is the same predatory lender that evicted thousands of people from their homes and credited credit card payments late for almost ten years.

While HSBC may be willing to sacrifice their reputation by purchasing the most famous predatory lender in America, you do not need to sacrifice your reputation by using them.