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. >> reporter: courtney peterman said she thought she was taking out a $3000 loan to buy the dogs at the pet store. she signed a contract, made a payment, and took them home. 18 months later she expected it to paid off but she was told she had 20 more payments to go. >> i was told it was not a loan but a lease. >> reporter: she kept making payments during the worst about what would happen if she defaulted. the contract was with the leasing company wags, which was signed electronically at the store and admits she did not read it carefully when it was sent to her later. >> just like someone who goes to a car dealership, people get distracted by the monthly payment and might not negotiate the sticker price and when you add in the fees the dog is $5000 . even people whose pets have died are continuing to be expected to pay. >> if the pet that you are leasing dies, you are still responsible for the contract? >> yes. >> reporter: first question consumers need to ask is this a lease? pet leasing has been on the radar of the f2 c for about three years and pet shops can be held responsible. >

courtney peterman said she thought she was taking out a loan to buy dogs. a contract, made a $187 payment, and took the dogs home. 18 months later peterman expected the loan to be paid off, but she called the bank and was told she had almost 20 more payments to own. >> when i asked how that was possible because it was a $3,000 loan. they said it wasn't a loan. it was a lease r she kept making payments, fearing the worse if she was defaulted. >> i was like what bills am i not going to pay to make sure no one knock on my door and takes my dog away. >> reporter: peterman signed the contract electronically at the store and admits she didn't sign it. >> this is simply a business built on deception and cruelty. >> reporter: jennie lintz is with the aspca. >> just like when people go to a car center. even people whose pets have died during the course of the lease are continued to be expected to pay. >> if the pet that you're leasing dies, you are still responsible for paying however many months or years are left on the contract? >> yes. >> the first question consu