The Debt Settlement Industry

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The Debt Settlement Industry

Author : United States. Congress. Senate. Committee on Commerce, Science, and Transportation
Publisher : Unknown
Page : 152 pages
File Size : 40,8 Mb
Release : 2011
Category : Consumer credit
ISBN : UCSD:31822037830700

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The Debt Settlement Industry by United States. Congress. Senate. Committee on Commerce, Science, and Transportation Pdf

Financing the American Dream

Author : Lendol Calder
Publisher : Princeton University Press
Page : 400 pages
File Size : 46,8 Mb
Release : 2009-07-01
Category : History
ISBN : 9781400822836

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Financing the American Dream by Lendol Calder Pdf

Once there was a golden age of American thrift, when citizens lived sensibly within their means and worked hard to stay out of debt. The growing availability of credit in this century, however, has brought those days to an end--undermining traditional moral virtues such as prudence, diligence, and the delay of gratification while encouraging reckless consumerism. Or so we commonly believe. In this engaging and thought-provoking book, Lendol Calder shows that this conception of the past is in fact a myth. Calder presents the first book-length social and cultural history of the rise of consumer credit in America. He focuses on the years between 1890 and 1940, when the legal, institutional, and moral bases of today's consumer credit were established, and in an epilogue takes the story up to the present. He draws on a wide variety of sources--including personal diaries and letters, government and business records, newspapers, advertisements, movies, and the words of such figures as Benjamin Franklin, Mark Twain, and P. T. Barnum--to show that debt has always been with us. He vigorously challenges the idea that consumer credit has eroded traditional values. Instead, he argues, monthly payments have imposed strict, externally reinforced disciplines on consumers, making the culture of consumption less a playground for hedonists than an extension of what Max Weber called the "iron cage" of disciplined rationality and hard work. Throughout, Calder keeps in clear view the human face of credit relations. He re-creates the Dickensian world of nineteenth-century pawnbrokers, takes us into the dingy backstairs offices of loan sharks, into small-town shops and New York department stores, and explains who resorted to which types of credit and why. He also traces the evolving moral status of consumer credit, showing how it changed from a widespread but morally dubious practice into an almost universal and generally accepted practice by World War II. Combining clear, rigorous arguments with a colorful, narrative style, Financing the American Dream will attract a wide range of academic and general readers and change how we understand one of the most important and overlooked aspects of American social and economic life.

Global Waves of Debt

Author : M. Ayhan Kose,Peter Nagle,Franziska Ohnsorge,Naotaka Sugawara
Publisher : World Bank Publications
Page : 403 pages
File Size : 44,6 Mb
Release : 2021-03-03
Category : Business & Economics
ISBN : 9781464815454

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Global Waves of Debt by M. Ayhan Kose,Peter Nagle,Franziska Ohnsorge,Naotaka Sugawara Pdf

The global economy has experienced four waves of rapid debt accumulation over the past 50 years. The first three debt waves ended with financial crises in many emerging market and developing economies. During the current wave, which started in 2010, the increase in debt in these economies has already been larger, faster, and broader-based than in the previous three waves. Current low interest rates mitigate some of the risks associated with high debt. However, emerging market and developing economies are also confronted by weak growth prospects, mounting vulnerabilities, and elevated global risks. A menu of policy options is available to reduce the likelihood that the current debt wave will end in crisis and, if crises do take place, will alleviate their impact.

Consumer Debt Study

Author : Herman Thomas LaCrosse,United States. Bureau of Foreign and Domestic Commerce
Publisher : Unknown
Page : 30 pages
File Size : 45,9 Mb
Release : 1935
Category : Consumption (Economics)
ISBN : PSU:000072092217

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Consumer Debt Study by Herman Thomas LaCrosse,United States. Bureau of Foreign and Domestic Commerce Pdf

Protecting Consumers from Deceptive Debt Settlement Schemes

Author : United States. Congress. Senate. Committee on Commerce, Science, and Transportation
Publisher : Unknown
Page : 40 pages
File Size : 41,5 Mb
Release : 2011
Category : Business & Economics
ISBN : MINN:31951D034577317

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Protecting Consumers from Deceptive Debt Settlement Schemes by United States. Congress. Senate. Committee on Commerce, Science, and Transportation Pdf

Bad Paper

Author : Jake Halpern
Publisher : Farrar, Straus and Giroux
Page : 256 pages
File Size : 40,7 Mb
Release : 2014-10-14
Category : True Crime
ISBN : 9780374711245

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Bad Paper by Jake Halpern Pdf

The Federal Trade Commission receives more complaints about rogue debt collecting than about any activity besides identity theft. Dramatically and entertainingly, Bad Paper reveals why. It tells the story of Aaron Siegel, a former banking executive, and Brandon Wilson, a former armed robber, who become partners and go in quest of "paper"—the uncollected debts that are sold off by banks for pennies on the dollar. As Aaron and Brandon learn, the world of consumer debt collection is an unregulated shadowland where operators often make unwarranted threats and even collect debts that are not theirs. Introducing an unforgettable cast of strivers and rogues, Jake Halpern chronicles their lives as they manage high-pressure call centers, hunt for paper in Las Vegas casinos, and meet in parked cars to sell the social security numbers and account information of unsuspecting consumers. He also tracks a "package" of debt that is stolen by unscrupulous collectors, leading to a dramatic showdown with guns in a Buffalo corner store. Along the way, he reveals the human cost of a system that compounds the troubles of hardworking Americans and permits banks to ignore their former customers. The result is a vital exposé that is also a bravura feat of storytelling.

Credit Card Nation The Consequences Of America's Addiction To Credit

Author : Robert D. Manning
Publisher : Unknown
Page : 424 pages
File Size : 40,6 Mb
Release : 2000-12-25
Category : Business & Economics
ISBN : UCSC:32106016408491

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Credit Card Nation The Consequences Of America's Addiction To Credit by Robert D. Manning Pdf

Credit Card Nation is the first comprehensive look at an ongoing social and economic crisis-America's escalting dependence on credit. By locating consumer debt within the context of corporate and governmental debt.

Complying with the telemarketing sales rule

Author : Anonim
Publisher : Unknown
Page : 62 pages
File Size : 48,8 Mb
Release : 2004
Category : Electronic government information
ISBN : UOM:39015059154073

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Complying with the telemarketing sales rule by Anonim Pdf

The Wolf At the Door

Author : Mark Anthony Silverthorn
Publisher : McClelland & Stewart
Page : 314 pages
File Size : 51,5 Mb
Release : 2010-01-26
Category : Business & Economics
ISBN : 9780771080371

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The Wolf At the Door by Mark Anthony Silverthorn Pdf

A practical guide for dealing with collection agencies and your debts, from Canada's top expert. At some point in life, many of us have trouble paying the bills. If you've ever been hounded by a collection agency, you know how intimidating and stressful the experience can be. But we have much more power than we think. In this eye-opening practical guide, industry insider Mark Silverthorn arms you with the information collection agencies don't want you to know. He shows how to turn the tables against them and regain control of your personal life and your finances, including: • how to stop, avoid, or discourage collection calls • why you might not even have to pay your debt • options to deal with your debts that might save you thousands of dollars • your legal rights and how to handle collection agency misconduct • the truth about credit counselling and debt settlement firms Before you take any action on your debt, you will want to read this book.

Straight Talk on Your Money

Author : Doug Hoyes
Publisher : Unknown
Page : 232 pages
File Size : 48,7 Mb
Release : 2017-09-09
Category : Finance, Personal
ISBN : 1988344034

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Straight Talk on Your Money by Doug Hoyes Pdf

Everything you know about money is wrong! In his thirty-year career, bankruptcy trustee Doug Hoyes has watched countless intelligent, well meaning people let their emotions get the better of them as they follow conventional financial wisdom and get into serious money trouble. Straight Talk On Your Money exposes some of the biggest money myths and traps that we accept as financial truths: why a good credit score may be detrimental to your financial well-being why a house is not an investment why you should never pay a collection agent why budgeting is a waste of time - and much more Straight Talk On Your Money cuts through the biggest myths about money and the hype of the financial industry to give you a fresh perspective, the facts you need to know, and practical advice to help you prevent financial problems before they happen. With a seasoned expert to point you in the right direction - someone who's seen thousands of people in financial crisis, and helped them out of it - you can make informed decisions, improve your financial health, and live a debt-free, stress-free life.

Crushing Debt

Author : David Trahair
Publisher : John Wiley & Sons
Page : 103 pages
File Size : 55,5 Mb
Release : 2012-01-06
Category : Business & Economics
ISBN : 9781118096062

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Crushing Debt by David Trahair Pdf

As the majority of Canadians are now spending much more than they make, their debt levels are reaching crisis proportions. Excluding mortgage debt, the average Canadian owes over $25,000 in consumer debt, which poses massive risks not only for the individuals carrying that financial load, but for our entire financial system. In Crushing Debt, bestselling author David Trahair (Enough Bull) warns Canadians that consumer debt is becoming an urgent problem but one that can be solved. Trahair clearly outlines the evils of debt and how easy it is for debt to spiral out of control with examples of real-life stories of debt disasters. If you are a Canadian who is already struggling with debt, Crushing Debt will motivate you to face your financial problems and will show you step-by-step the most appropriate solution to getting out of your personal debt hell. Filled with proven advice, Crushing Debt is a call to action on an urgent and debilitating problem for far too many Canadians.

Scams and Swindles

Author : Silver Lake Editors
Publisher : Silver Lake Publishing
Page : 276 pages
File Size : 52,8 Mb
Release : 2006
Category : Art
ISBN : 9781563437861

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Scams and Swindles by Silver Lake Editors Pdf

How to recognize and avoid Internet Age Rip - Offs.

Dealing with the Debt Crisis

Author : Ishrat Husain,Ishac Diwan
Publisher : World Bank Publications
Page : 326 pages
File Size : 54,9 Mb
Release : 1989
Category : Business & Economics
ISBN : 0821312464

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Dealing with the Debt Crisis by Ishrat Husain,Ishac Diwan Pdf

The debt crisis in perspective; Debt management in the late 1980s; Debt reduction and recontracting.

Knee-deep in Debt

Author : Anonim
Publisher : Unknown
Page : 2 pages
File Size : 41,8 Mb
Release : 1997
Category : Consumer protection
ISBN : UIUC:30112033169324

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Knee-deep in Debt by Anonim Pdf