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The circuit court determined the loan agreements Drogorub signed were procedurally unconscionable because in this case

Drogorub never browse the agreements; (2) PLS would not give an explanation for agreement terms; (3) Drogorub felt hurried into signing the initial agreement and had no chance to make inquiries; (4) Drogorub could perhaps perhaps not get that loan elsewhere, generally there had been no alternative provider associated with subject material regarding the agreements; (5) Drogorub's bargaining place had been weak because he required cash to buy food and pay rent; (6) Drogorub had no chance to negotiate with PLS; (7) the loan agreements required Drogorub to use his vehicle—his only asset—as collateral; and (8) Drogorub had a higher college training, hadn't worked since 2001, had no significant company experience, and had reasonably minimal experience taking out fully loans.