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by Howard Karger
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Cover Page
Title Page
Copyright Page
Preface
Acknowledgments
PART I Overview of the Fringe Economy
America’s Changing Fringe Economy
Defining the Fringe Economy
The Scope and Profitability of the Fringe Economy
Mainstream Financial Institutions and the Fringe Economy
Why the Fringe Economy Is Growing
Fringe Economy Customers
The Working Poor
Welfare Reform
Immigration
The Internet
Debt and the Functionally Poor Middle Class
Debt and the Fringe Economy
The Overconsumption Argument
Cultural Change and the Fringe Economy
PART II The Fringe Sectors
The Credit Card Industry
An Overview of the Credit Card Industry
How “Creditworthiness” Is Determined
The Major Players in the Credit Card Industry
How the Credit Card Industry Works
Setting the Hook Early: College Students and Credit Cards
Secured and Unsecured Credit Cards
Preloaded or Stored-Value Debit Cards
Reforming the Credit Card Industry
Storefront Loans: Pawnshops, Payday Loans, and Tax Refund Lenders
Pawnshops: The Historical Neighborhood Banker
Payday Loans
Tax Preparation and Refund Loans
Reforming the Storefront Loan Industry
Alternative Services: Check Cashers, the Rent-to-Own Industry, and Telecommunications
Check Cashers and Auxiliary Financial Services
Rent to Own: The Furniture and Appliance Rental Industry
Prepaid Telecommunications
The Evolving Fringe Economy
Reforming the Alternative Services Sector
Fringe Housing
The Subprime and Predatory Housing Market
Home Mortgage Loans
Refinancing and Home Equity Loans
Real Estate Speculation and Foreclosure
Rent-to-Own Housing
HomeVestors: Bringing Real Estate Speculation to a New Level
The Wannabe Millionaires
Foreclosures
Reforming the Fringe Housing Market
The Fringe Auto Industry
Buying a Used Car
Financing Used Cars
Buy-Here, Pay-Here Lots
High-Cost Auto Insurance
Vehicle Inspections and the Poor
Auto Title Pawns
Reforming the Fringe Auto Sector
The Getting-Out-of-Debt Industry
Consumer Credit Counseling Agencies
Debt Settlement
Debt Dispute and File Segregation
Reining In Runaway Consumer Credit Counseling Agencies
PART III Looking Forward
What Can Be Done to Control the Fringe Economy?
Strategies for Reforming the Fringe Economy
The Future of the Fringe Economy
Glossary
Notes
Index
About the Author
About Berrett-Koehler Publishers
A BK Currents Title
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Copyright Page
Howard Karger
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Life and Debt in the Fringe Economy
BERRETT-KOEHLER PUBLISHERS, INC.
San Francisco
a BK Currents book
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