i know steve hildebrand does at his coffee shop.will lend somebody money on their paycheck at 0% interest and maybe there could even be regulation on that. four times a year, it's an employee benefit. >> reporter: after months of hard work, the campaign gathered over 20,000 signatures for hildebrand to deliver to the secretary of state. but the opposing lender- supported campaign also managed to gather enough signatures to get on the ballot. >> the payday lenders are going to spend millions of dollars on television, trying to confuse voters and misrepresent our side. >> reporter: so the fight's not over. hildebrand has one year to convince south dakotans to vote for his interest rate cap. in the meantime, t.j. ended up losing his fight to save his leg. it was amputated six months after he lost his job. >> it needs to go at least to there. >> reporter: t.j. and kristi are now focused on rehab instead of the title loan. >> i told them to come and get the car, take it. you know, our world has fallen out from underneath us and if you wa