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Dramatically and entertainingly, Bad Paper reveals why.
It tells the story of Aaron Siegel, a former banking executive, and Brandon Wilson, a former armed Slotebi Kvela, who become partners and go in quest of "paper"—the uncollected debts that are sold off by banks for pennies on the dollar.
As Aaron and Brandon learn, the world of consumer debt collection is an unregulated shadowland where operators often make unwarranted threats and even collect debts that are not theirs.
Introducing an unforgettable cast of strivers and rogues, Jake Halpern chronicles their lives as they manage high-pressure call centers, hunt for paper in Las Vegas casinos, and meet in parked cars to sell the social security numbers and account information of unsuspecting consumers.
He also tracks a "package" of カジノユーロ300ボーナスコード that is stolen by unscrupulous collectors, leading to a dramatic showdown with guns in a Buffalo corner store.
Along the way, he reveals the human cost of a system that compounds the troubles of hardworking Americans and permits banks to ignore their former customers.
The result is a vital exposé that is also a bravura feat of storytelling.
In short, it's terrific.
Halpern brings unexpected literary heft to the world of debt collection.
Jake Halpern's fascinating, fearless tour of the underworld of debt collections introduces us to a cast of characters--the mostly men behind the scary phone calls--who deserve to be the stars of the next great HBO drama.
It is also a deeply reported and powerful exploration of America's shadow economy.
Only a consummate reporter could have achieved such an intimateview of the two debt collectors he chronicles here.
And because he really knows how to tell a story, we can't take our eyes off this nasty business.
It's a book that hangs out in that gray and widening zone where the civilization we take for granted starts to break down, and it reads like Michael Lewis with a sense of the abyss.
It's about downward mobility and the subtle apocalypse and it feels important--important in the way few books ever are.
It's required reading not only for everybody with creditors on the line, but for anybody who cares about money or debt.
In short, it's terrific.
This, ultimately, is the book's power and attraction.
Klein, "The Boston Globe" "An enjoyable and educational read, with stories that sound too good to be true and word-for-word conversations that a Hollywood screenwriter couldn't make up.
Halpern visit web page unexpected literary heft to the world of debt collection.
Jake Halpern's fascinating, fearless tour of the underworld of debt collections introduces us to a cast of characters--the mostly men behind the scary phone calls--who deserve to be the stars of the next great HBO drama.
It is also a deeply reported and powerful exploration of America's shadow economy.
Only a consummate reporter could have achieved such an intimateview of the two debt collectors he chronicles here.
And because he really knows how to tell a story, we can't take our eyes off this nasty business.
It's a book that hangs out in that gray and widening zone where the civilization we take for granted starts to break down, and it reads like Michael Lewis with a sense of the abyss.
It's about downward mobility and the subtle apocalypse and it feels important--important in the way few books ever are.
It's required reading not only for everybody with creditors on the line, but for anybody who cares about money or debt.
In short, it's terrific.
This, ultimately, is the book's power and attraction.
Klein, The Boston Globe" An enjoyable and educational read, with stories that sound too good to be true and word-for-word conversations that a Hollywood screenwriter couldn't make up.
Halpern brings unexpected literary heft to the world of debt collection.
Jake Halpern's fascinating, fearless tour of the underworld of debt collections introduces us to a cast of characters--the mostly men behind the scary phone calls--who deserve to be the stars of the next great HBO drama.
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It's about downward mobility www hollywoodcasinobangor時間 the subtle apocalypse and it feels important--important in the way few books ever are.
It's required reading not only for everybody with creditors on the line, but for anybody who cares about money or debt.
In short, it's terrific.
This, ultimately, is the book's power and attraction.
Klein, The Boston Globe -An enjoyable and educational read, with stories that sound too good to be true and word-for-word conversations that a Hollywood screenwriter couldn't make up.
Halpern brings unexpected literary heft to the world of debt collection.
Jake Halpern's fascinating, fearless tour of the underworld of debt collections introduces us to a cast of characters--the mostly men behind the scary phone calls--who deserve to be the stars of the next great HBO drama.
It is also a deeply reported and powerful exploration of America's shadow economy.
Only a consummate reporter could 大きな犬のカフェ& Aカジノ achieved such an intimateview of the two debt collectors he chronicles here.
And because he really knows how to tell a story, we can't take our eyes off this nasty business.
It's https://games-money.site/5/7457.html book that hangs out in that gray and widening zone where the civilization we take for granted starts to break down, and it reads like Michael Lewis with a sense of the abyss.
It's about downward mobility and the subtle apocalypse and it feels important--important in the way few books ever are.
It's required reading not only for everybody with creditors on the line, but for anybody who cares about money or debt.
In short, it's terrific.
For a period of time I had developed a good working relationship with a collections attorney where my truly destitute clients could get a fair shake.
On the other end of the spectrum was the day I had had enough, and after telling the collection agent the current address of his basement operation, offered to catch a plane out to California and come visit him personally to discuss his 無料のPCゲームをダウンロードするバットマンアーカムアサイラム abuse of my staff.
But none of these experiences gave me the behind the scenes view of the collection industry that Halpern has achieved with "Bad Paper".
Halpern appears to have wrangled a level of access and trust from the insiders that seems unthinkable as the federal government threatens to expand the institutional creep of the CFPB.
His unblinking portrayal of some of the individuals that have been on the other side of the table is unvarnished yet still surprising in some regards.
In some instances, Halpern almost makes these human stories come alive with an unwelcome sympathy.
Sometimes redundant, often a tad disorganized, Bad Paper may not be destined to become a lasting portrait of the Great Www hollywoodcasinobangor時間 />At the risk of revealing my own bias, Halpern missed the opportunity to really plumb the plight of those who are hounded by the industry.
It is however, a revealing and surprisingly interesting read.
For those of us in the trenches, it is a fascinating journey into enemy territory.
It is both suspenseful and horrifying and everyone should read it - not just people who've ever dealt with collection agencies.
I was immediately drawn into the tale of one man, Aaron Siegel, who came from a wealthy family.
He deals in the business of buying bad debts, those which still need to be collected from people with unpaid credit card bills, auto loans, old utility bills, medical loans, etc.
Aaron specializes in the business of collecting debts after banks, credit card, utility, and other companies have given up pursuing debtors and further success seems slim to none.
So Aaron becomes the next rung down the ladder, paying pennies on the dollar to banks and others to get their list of debtors.
Details of Aaron's life - and that of his associate Benny and others in the business - are mixed in with plenty of shocking facts about how consumer debt affects the economy.
That's where Aaron enters the picture.
All he has to do is collect 10 percent of what was originally owed to companies like Bank of America, Verizon, and others and he can make a fortune.
But it's a rough, often shady, business with often cut throat competition and few ethics.
Sometimes Aaron'a own employees will sell the debts to other companies, essentially stealing from under his nose.
And sometimes people who are no longer liable for debts are still severely pressured to pay.
The continue reading describes some of those people.
Perhaps they are unemployed or 今すぐ無料ゲームをオンラインでプレイする been impoverished by soaring medical costs in spite of insurance.
They are people like Joanna, someone who has struggled to find work and faces a day to day challenge to pay her bills.
The reality is that debt collection is one of the largest sources of consumer complaints to the FTC and, according to the author, the FTC has done little to go after unethical debt collectors and, of course, some debt collectors play fair.
Author Jake Halpern even throws Abraham Lincoln into the mix.
He actually was pursued by a debt collector for a promissory note he'd signed online and other sources for this information are listed at the end of the book.
Ironically, some of the debt collectors would have been poor and perhaps even owed money themselves - if they hadn't been hired to go other people who owed money.
Sometimes debt collection agencies are the largest www hollywoodcasinobangor時間 in a city with high unemployment.
The other companies, the creditors, had already written off the debts as losses.
They've given up ever seeing a dime of the money owed them.
This is highly recommended.
It definitely deserves its recognition as an Amazon Best Book of the Month October 2014.
The book contains notes on the sources of statistics and information such as the Federal Reserve Bank of New York.
There is also considerable supplementary material for those who wish to pursue such resources as an online link to the Personal Finances of Abraham Lincoln who, as noted above, had his own experiences with debt collectionas well as detailed notes on each chapter.
The author does not trade in outrage, he leaves that to the reader.
He actually empathizes with the members of this peculiar fauna of traders, hustlers and hasslers, but equally he recognizes and insists that we have a duty as a society to do better.
I read Bad Paper in one sitting!

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