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Author Karger, Howard Jacob, 1948-
Title Shortchanged : life and debt in the fringe economy / Howard Karger.
Imprint San Francisco, CA : Berrett-Koehler ; Berkeley, CA : Publishers Group West [distributor], 2005.
Edition 1st ed.

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Author Karger, Howard Jacob, 1948-
Series A BK currents book
BK currents book.
Subject Poor -- United States.
Working class -- United States -- Economic conditions.
Informal sector (Economics) -- United States.
Financial services industry -- United States.
Debt -- United States.
Description 1 online resource (xx, 252 pages) : illustrations
polychrome. rdacc
Edition 1st ed.
Bibliography Note Includes bibliographical references (pages 218-236) and index.
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.
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 page.
Note Print version record.
Access Use copy Restrictions unspecified star
Reproduction Electronic reproduction. [Place of publication not identified] : HathiTrust Digital Library, 2010.
System Details Master and use copy. Digital master created according to Benchmark for Faithful Digital Reproductions of Monographs and Serials, Version 1. Digital Library Federation, December 2002.
Note digitized 2010 HathiTrust Digital Library committed to preserve pda
ISBN 9781605098050 (electronic bk.)
1605098051 (electronic bk.)
9781609943882 (electronic bk.)
1609943880 (electronic bk.)
9781605098777 (electronic bk.)
1605098779 (electronic bk.)
Publisher # MWT11282120
OCLC # 297961692
Additional Format Print version: Karger, Howard Jacob, 1948- Shortchanged. 1st ed. San Francisco, CA : Berrett-Koehler ; Berkeley, CA : Publishers Group West [distributor], 2005 1576753360 9781576753361 (DLC) 2005040973 (OCoLC)58595162

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