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(ARA) - In the world of living paycheck to paycheck, unforeseen expenses create a very stressful situation. Whether the car breaks down, the water heater blows a leak or your dog needs emergency surgery from eating the hallway rug, finding a way to get out of the red gets harder every day. As payday loan organizations face increased regulatory scrutiny, some banks and credit unions have begun offering similar services to members to compete with payday lenders and to help pull customers out of payday loan cycles. Longtime banking executive Mike Viers has been named president of First Chatham Bank. Viers succeeds Brian Foster, who will continue in his role as chief executive officer and chairman. Advance America's $150 monthly fee is ruled illegal. Valley has a number of centers. A payday lending business violated Pennsylvania consumer law by providing loans of as much as $500 to people in return for 6 percent interest plus a $150 monthly fee, a state court ruled Tuesday. Advance America's 101 storefront loan centers in Pennsylvania no longer can offer the company's high-fee Choice Line of Credit product, under a Commonwealth Court ruling Tuesday. HARRISBURG, Pa. (AP) - A state court says a payday lending business violated Pennsylvania consumer law. Commonwealth Court says Advance America Cash Advance Centers made loans of as much as $500 to people in return for six percent interest plus a $150 monthly fee. A roundup of articles and data about the housing market. Read this article ] SACRAMENTO, Calif.----California Department of Corporations joined last week with bank regulators in nine other states in taking action against Apex Financial Group, which does business in California under the name Aapex Discount Mortgage . 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