Rabbi Dr. Aaron Spiegel directs GIMA, The Greater Indianapolis Multifaith Alliance, an ecumenical organization advocating for a legal envornment more friendly to tenants, starting with the premise that Indiana is in the top five of the most unfriendly states. In Indiana, a tenant can be one-day late, prosecuted the next day, out within the month, with a total debit rising 200 % due to legal fees and related costs. If unpaid, with 8 % interest, the tenant might not qualify for a future apartment or even for a mortgage.