Plaintiff had not been the target of a bad wrongful or act that is unlawful hazard.
In addition, nothing is in the record presented to us to ever establish that plaintiff desired to improve the regards to the contract and had been precluded from doing this, or that defendants’ obligation had been restricted. It appears clear that plaintiff had the chance and capacity to see the simple language associated with the agreement and had been fairly apprised as she claims, her ability to vindicate her rights that she was not giving up. Instead, plaintiff was agreeing to truly have the possibility to vindicate those legal rights within an arbitration rather than a court. See Van Syoc v. Walter, 259 N.J.Super. 337 , 339, 613 A.2d 490 (App.Div. 1992) (”when . . . events consent to arbitrate, these are typically choosing a nonjudicial method of resolving their disputes”, and ”it is certainly not perhaps the agreement may be assaulted, however the forum when the assault is always to occur)”, certif. rejected, 133 N.J. 430, 627 A.2d 1136 (1993).
In connection with Rudbart that is third factor plaintiff contends that financial duress forced her to help make the agreement if you wish ”to pay for instant costs which is why she had no money.” ”Economic duress takes place when the celebration alleging it’s `the victim of a bad wrongful or illegal act or threat’, which `deprives the target of their or her unfettered will.'” Quigley v. KPMG Peat Marwick, LLP, 330 N.J.Super. 252 , 263, 749 A.2d 405 (App.Div.) (quoting 13 Williston on Contracts, В§ 1617 (Jaeger ed. 1970)), certif. rejected, 165 N.J. 527, 760 A.2d 781 (2000). In Continental Bank v. Barclay Riding Academy, Inc., 93 N.J. 153 , 177, 459 A.2d 1163, cert. rejected, 464 U.S. 994 , 104 S.Ct. 488, 78 L.Ed.2d 684 (1983), we noted ”that the `decisive element’ may be the wrongfulness for the pressure exerted ,” and that ”the term `wrongful’ . . . encompasses a lot more than unlawful or tortuous functions, for conduct could be legal yet still oppressive.” Further, wrongful functions range from functions which can be incorrect in an ethical or sense that is equitable. Ibid.
In Quigley, supra, 330 N.J.Super. at 252, 749 A.2d 405 , plaintiff reported that the test court erred in enforcing an arbitration agreement that she had finalized after having been encouraged by her manager that she could be ended if she declined to signal. In reversing the test court, we claimed that ”courts which have considered this dilemma of perhaps the risk of termination of employment for refusing to consent to arbitration is oppressive have consistently determined that the financial coercion of getting or maintaining a work, without more, is inadequate to conquer an understanding to arbitrate statutory claims.” Id. at 264, 749 A.2d 405. We made a discovering that plaintiff had perhaps perhaps not demonstrated significantly more than ordinary financial force faced by every worker who required work and figured there is no financial duress to make the arbitration agreement unconscionable. Id. at 266, 749 A.2d 405.
No worker associated with the defendants solicited plaintiff or exerted force on her to produce some of the loans.
We have been pleased here that plaintiff’s circumstances are less compelling than a worker that is forced to signal an arbitration agreement as a disorder of 
continued work. Certainly, plaintiff approached the defendants. And, while plaintiff might have been experiencing stress that is financial she had not been, under these facts, the target of adequate financial duress to make the arbitration clause she finalized unconscionable.
The right to participate in a class action suit as to the final Rudbart factor, i.e., whether a contract of adhesion is unconscionable because the public interest is affected by the agreement, plaintiff contends that: (A) the procedural limitations on the chosen forum, NAF, especially NAF rules 37 and 29, preclude her from a full and fair opportunity to litigate her claim; (B) that NAF is biased; and (C) the arbitration clause is exculpatory in that it denies the borrower.