The Resource Shortchanged : life and debt in the fringe economy, Howard Karger
Shortchanged : life and debt in the fringe economy, Howard Karger
Resource Information
The item Shortchanged : life and debt in the fringe economy, Howard Karger represents a specific, individual, material embodiment of a distinct intellectual or artistic creation found in University of Missouri Libraries.This item is available to borrow from 1 library branch.
Resource Information
The item Shortchanged : life and debt in the fringe economy, Howard Karger represents a specific, individual, material embodiment of a distinct intellectual or artistic creation found in University of Missouri Libraries.
This item is available to borrow from 1 library branch.
- Summary
- "Drive through just about any low-income neighborhood and you're sure to see streets lined with pawnshops, check cashers, rent-to-own stores, payday and tax refund lenders, auto title pawns, and buy-here-pay-here used car lots. We're awash in "alternative financial services" directed at the poor and those with credit problems. Howard Karger describes this world as an economic Wild West, where just about any financial scheme that's not patently illegal is tolerated." "Taking a hard look at this fringe economy, Karger shows that what seem to be small, independent storefront operations are actually part of a fully formed, parallel economy dominated by a handful of well-financed corporations, subject to little or no oversight, with increasingly strong ties to mainstream financial institutions." "Filled with heartbreaking stories of real people trapped in perpetual debt, Shortchanged exposes the deceptive practices that allow these businesses to prey on people when they are most vulnerable. Karger reveals the many ways this industry has run amok, ruining countless people's lives, and shows that it's not just the poor but, more and more, maxed-out middle class consumers who fall prey to these devious schemes."--Jacket
- Language
- eng
- Edition
- 1st ed.
- Extent
- xx, 252 pages
- Contents
-
- pt. I. Overview of the fringe economy
- 1. America's changing fringe economy
- 2. Why the fringe economy is growing
- 3. Debt and the functionally poor middle class
- pt. II. The fringe sectors
- 4. The credit card industry
- 5. Storefront loans : pawnshops, payday loans, and tax refund lenders
- 6. Alternative services : check-cashers, the rent-to-own industry, and telecommunications
- 7. Fringe housing
- 8. Real estate speculation and foreclosure
- 9. The fringe auto industry
- 10. The getting-out-of-debt industry
- pt. III. Looking forward
- 11. What can be done to control the fringe economy?
- Glossary
- Isbn
- 9781576753361
- Label
- Shortchanged : life and debt in the fringe economy
- Title
- Shortchanged
- Title remainder
- life and debt in the fringe economy
- Statement of responsibility
- Howard Karger
- Subject
-
- Financial services industry -- United States
- Informal sector (Economics) -- United States
- Loans, Personal -- United States
- Marginality, Social -- United States
- Microfinance -- United States
- Pawnbroking -- United States
- Poor -- United States
- Working class -- United States -- Economic conditions
- Working poor -- United States
- Debt -- United States
- Language
- eng
- Summary
- "Drive through just about any low-income neighborhood and you're sure to see streets lined with pawnshops, check cashers, rent-to-own stores, payday and tax refund lenders, auto title pawns, and buy-here-pay-here used car lots. We're awash in "alternative financial services" directed at the poor and those with credit problems. Howard Karger describes this world as an economic Wild West, where just about any financial scheme that's not patently illegal is tolerated." "Taking a hard look at this fringe economy, Karger shows that what seem to be small, independent storefront operations are actually part of a fully formed, parallel economy dominated by a handful of well-financed corporations, subject to little or no oversight, with increasingly strong ties to mainstream financial institutions." "Filled with heartbreaking stories of real people trapped in perpetual debt, Shortchanged exposes the deceptive practices that allow these businesses to prey on people when they are most vulnerable. Karger reveals the many ways this industry has run amok, ruining countless people's lives, and shows that it's not just the poor but, more and more, maxed-out middle class consumers who fall prey to these devious schemes."--Jacket
- Cataloging source
- DLC
- http://library.link/vocab/creatorDate
- 1948-
- http://library.link/vocab/creatorName
- Karger, Howard Jacob
- Dewey number
- 332.3
- Illustrations
- illustrations
- Index
- index present
- LC call number
- HG178.33.U6
- LC item number
- K37 2005
- Literary form
- non fiction
- Nature of contents
- bibliography
- Series statement
- BK currents book
- http://library.link/vocab/subjectName
-
- Poor
- Working class
- Informal sector (Economics)
- Financial services industry
- Debt
- Microfinance
- Pawnbroking
- Loans, Personal
- Working poor
- Marginality, Social
- Label
- Shortchanged : life and debt in the fringe economy, Howard Karger
- Bibliography note
- Includes bibliographical references (pages 218-236) and index
- Carrier category
- volume
- Carrier category code
-
- nc
- Carrier MARC source
- rdacarrier
- Content category
- text
- Content type code
-
- txt
- Content type MARC source
- rdacontent
- Contents
- pt. I. Overview of the fringe economy -- 1. America's changing fringe economy -- 2. Why the fringe economy is growing -- 3. Debt and the functionally poor middle class -- pt. II. The fringe sectors -- 4. The credit card industry -- 5. Storefront loans : pawnshops, payday loans, and tax refund lenders -- 6. Alternative services : check-cashers, the rent-to-own industry, and telecommunications -- 7. Fringe housing -- 8. Real estate speculation and foreclosure -- 9. The fringe auto industry -- 10. The getting-out-of-debt industry -- pt. III. Looking forward -- 11. What can be done to control the fringe economy? -- Glossary
- Control code
- 58595162
- Dimensions
- 25 cm
- Edition
- 1st ed.
- Extent
- xx, 252 pages
- Isbn
- 9781576753361
- Lccn
- 2005040973
- Media category
- unmediated
- Media MARC source
- rdamedia
- Media type code
-
- n
- Other control number
- 9781576753361
- Other physical details
- illustrations
- Label
- Shortchanged : life and debt in the fringe economy, Howard Karger
- Bibliography note
- Includes bibliographical references (pages 218-236) and index
- Carrier category
- volume
- Carrier category code
-
- nc
- Carrier MARC source
- rdacarrier
- Content category
- text
- Content type code
-
- txt
- Content type MARC source
- rdacontent
- Contents
- pt. I. Overview of the fringe economy -- 1. America's changing fringe economy -- 2. Why the fringe economy is growing -- 3. Debt and the functionally poor middle class -- pt. II. The fringe sectors -- 4. The credit card industry -- 5. Storefront loans : pawnshops, payday loans, and tax refund lenders -- 6. Alternative services : check-cashers, the rent-to-own industry, and telecommunications -- 7. Fringe housing -- 8. Real estate speculation and foreclosure -- 9. The fringe auto industry -- 10. The getting-out-of-debt industry -- pt. III. Looking forward -- 11. What can be done to control the fringe economy? -- Glossary
- Control code
- 58595162
- Dimensions
- 25 cm
- Edition
- 1st ed.
- Extent
- xx, 252 pages
- Isbn
- 9781576753361
- Lccn
- 2005040973
- Media category
- unmediated
- Media MARC source
- rdamedia
- Media type code
-
- n
- Other control number
- 9781576753361
- Other physical details
- illustrations
Subject
- Financial services industry -- United States
- Informal sector (Economics) -- United States
- Loans, Personal -- United States
- Marginality, Social -- United States
- Microfinance -- United States
- Pawnbroking -- United States
- Poor -- United States
- Working class -- United States -- Economic conditions
- Working poor -- United States
- Debt -- United States
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<div class="citation" vocab="http://schema.org/"><i class="fa fa-external-link-square fa-fw"></i> Data from <span resource="http://link.library.missouri.edu/portal/Shortchanged--life-and-debt-in-the-fringe/fZG6dMZEuEE/" typeof="Book http://bibfra.me/vocab/lite/Item"><span property="name http://bibfra.me/vocab/lite/label"><a href="http://link.library.missouri.edu/portal/Shortchanged--life-and-debt-in-the-fringe/fZG6dMZEuEE/">Shortchanged : life and debt in the fringe economy, Howard Karger</a></span> - <span property="potentialAction" typeOf="OrganizeAction"><span property="agent" typeof="LibrarySystem http://library.link/vocab/LibrarySystem" resource="http://link.library.missouri.edu/"><span property="name http://bibfra.me/vocab/lite/label"><a property="url" href="http://link.library.missouri.edu/">University of Missouri Libraries</a></span></span></span></span></div>
