03340nam 2200685 a 450 991078972780332120231219182212.01-283-26872-897866132687231-60509-805-1(CKB)2670000000114633(EBL)771703(OCoLC)297961692(SSID)ssj0000541255(PQKBManifestationID)12252570(PQKBTitleCode)TC0000541255(PQKBWorkID)10498557(PQKB)11287221(Au-PeEL)EBL771703(CaPaEBR)ebr10499950(CaONFJC)MIL326872(CaSebORM)9781605098050(MiAaPQ)EBC771703(EXLCZ)99267000000011463320050316d2005 uy 0engurunu|||||txtccrShortchanged[electronic resource] life and debt in the fringe economy /Howard Karger1st ed.San Francisco, Calif. Berrett-Koehler ;Berkeley, Calif. Publishers Group West [distributor]c20051 online resource (273 p.)A BK currents bookDescription based upon print version of record.1-57675-336-0 Includes bibliographical references (p. 218-236) and index.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.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 actuallyBK currents book.PoorUnited StatesWorking classUnited StatesEconomic conditionsInformal sector (Economics)United StatesFinancial services industryUnited StatesDebtUnited StatesPoorWorking classEconomic conditions.Informal sector (Economics)Financial services industryDebt332.3Karger Howard Jacob1948-1495824MiAaPQMiAaPQMiAaPQBOOK9910789727803321Shortchanged3856123UNINA