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183   $acr
200 10$aShortchanged$b[electronic resource] $elife and debt in the fringe economy /$fHoward Karger
205   $a1st ed.
210   $aSan Francisco, Calif. $cBerrett-Koehler ;$aBerkeley, Calif. $cPublishers Group West [distributor]$dc2005
215   $a1 online resource (273 p.)
225 1 $aA BK currents book
300   $aDescription based upon print version of record.
311   $a1-57675-336-0 
320   $aIncludes bibliographical references (p. 218-236) and index.
327   $apt. 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.
330   $aDrive through just about any low-income neighborhood and you're sure to see streets lined with pawnshops, check cashers, rent-to-own stores, payday and tax refund lenders, auto title pawns, and buy-here-pay-here used car lots. We're awash in ""alternative financial services"" directed at the poor and those with credit problems. Howard Karger describes this world as an economic Wild West, where just about any financial scheme that's not patently illegal is tolerated.Taking a hard look at this fringe economy, Karger shows that what seem to be small, independent storefront operations are actually
410  0$aBK currents book.
606   $aPoor$zUnited States
606   $aWorking class$zUnited States$xEconomic conditions
606   $aInformal sector (Economics)$zUnited States
606   $aFinancial services industry$zUnited States
606   $aDebt$zUnited States
615  0$aPoor
615  0$aWorking class$xEconomic conditions.
615  0$aInformal sector (Economics)
615  0$aFinancial services industry
615  0$aDebt
676   $a332.3
700   $aKarger$b Howard Jacob$f1948-$01495824
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