Bad Paper

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Publisher : Macmillan + ORM
ISBN 13 : 0374711240
Total Pages : 193 pages
Book Rating : 4.3/5 (747 download)

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Book Synopsis Bad Paper by : Jake Halpern

Download or read book Bad Paper written by Jake Halpern and published by Macmillan + ORM. This book was released on 2014-10-14 with total page 193 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Federal Trade Commission receives more complaints about rogue debt collecting than about any activity besides identity theft. Dramatically and entertainingly, Bad Paper reveals why. It tells the story of Aaron Siegel, a former banking executive, and Brandon Wilson, a former armed robber, 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 debt 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.

United States Code

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Author :
Publisher :
ISBN 13 :
Total Pages : 1192 pages
Book Rating : 4.F/5 ( download)

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Book Synopsis United States Code by : United States

Download or read book United States Code written by United States and published by . This book was released on 1989 with total page 1192 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Surviving Debt

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Publisher :
ISBN 13 : 9781602482104
Total Pages : 0 pages
Book Rating : 4.4/5 (821 download)

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Book Synopsis Surviving Debt by :

Download or read book Surviving Debt written by and published by . This book was released on 2024 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Criminal Debt Collection Efforts

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Author :
Publisher :
ISBN 13 :
Total Pages : 100 pages
Book Rating : 4.:/5 (51 download)

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Book Synopsis Criminal Debt Collection Efforts by : United States. Congress. Senate. Committee on Governmental Affairs

Download or read book Criminal Debt Collection Efforts written by United States. Congress. Senate. Committee on Governmental Affairs and published by . This book was released on 1996 with total page 100 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Finance Code

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Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (391 download)

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Book Synopsis Finance Code by : Texas

Download or read book Finance Code written by Texas and published by . This book was released on 1997 with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:

United States Attorneys' Manual

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Publisher :
ISBN 13 :
Total Pages : 720 pages
Book Rating : 4.3/5 ( download)

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Book Synopsis United States Attorneys' Manual by : United States. Department of Justice

Download or read book United States Attorneys' Manual written by United States. Department of Justice and published by . This book was released on 1985 with total page 720 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Model Rules of Professional Conduct

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Publisher : American Bar Association
ISBN 13 : 9781590318737
Total Pages : 216 pages
Book Rating : 4.3/5 (187 download)

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Book Synopsis Model Rules of Professional Conduct by : American Bar Association. House of Delegates

Download or read book Model Rules of Professional Conduct written by American Bar Association. House of Delegates and published by American Bar Association. This book was released on 2007 with total page 216 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Model Rules of Professional Conduct provides an up-to-date resource for information on legal ethics. Federal, state and local courts in all jurisdictions look to the Rules for guidance in solving lawyer malpractice cases, disciplinary actions, disqualification issues, sanctions questions and much more. In this volume, black-letter Rules of Professional Conduct are followed by numbered Comments that explain each Rule's purpose and provide suggestions for its practical application. The Rules will help you identify proper conduct in a variety of given situations, review those instances where discretionary action is possible, and define the nature of the relationship between you and your clients, colleagues and the courts.

Attorney General Guidelines for Victim and Witness Assistance

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Author :
Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781477615720
Total Pages : 68 pages
Book Rating : 4.6/5 (157 download)

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Book Synopsis Attorney General Guidelines for Victim and Witness Assistance by : U.s. Department of Justice

Download or read book Attorney General Guidelines for Victim and Witness Assistance written by U.s. Department of Justice and published by Createspace Independent Publishing Platform. This book was released on 2012-06-06 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Attorney General of the United States and the U.S. Department of Justice Office for Victims of Crime strive to pursue justice for criminal acts and that pursuit includes justice for the victims of and witnesses to crime. The 2011 Edition of the Attorney General Guidelines for Victim and Witness Assistance reflects current statutory provisions, recognizes the technological and legal changes that have taken place since the previous Guidelines were promulgated, and incorporates best practices that will benefit victims and enhance investigations and prosecutions.

A Pound of Flesh

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Publisher : Russell Sage Foundation
ISBN 13 : 1610448553
Total Pages : 265 pages
Book Rating : 4.6/5 (14 download)

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Book Synopsis A Pound of Flesh by : Alexes Harris

Download or read book A Pound of Flesh written by Alexes Harris and published by Russell Sage Foundation. This book was released on 2016-06-08 with total page 265 pages. Available in PDF, EPUB and Kindle. Book excerpt: Over seven million Americans are either incarcerated, on probation, or on parole, with their criminal records often following them for life and affecting access to higher education, jobs, and housing. Court-ordered monetary sanctions that compel criminal defendants to pay fines, fees, surcharges, and restitution further inhibit their ability to reenter society. In A Pound of Flesh, sociologist Alexes Harris analyzes the rise of monetary sanctions in the criminal justice system and shows how they permanently penalize and marginalize the poor. She exposes the damaging effects of a little-understood component of criminal sentencing and shows how it further perpetuates racial and economic inequality. Harris draws from extensive sentencing data, legal documents, observations of court hearings, and interviews with defendants, judges, prosecutors, and other court officials. She documents how low-income defendants are affected by monetary sanctions, which include fees for public defenders and a variety of processing charges. Until these debts are paid in full, individuals remain under judicial supervision, subject to court summons, warrants, and jail stays. As a result of interest and surcharges that accumulate on unpaid financial penalties, these monetary sanctions often become insurmountable legal debts which many offenders carry for the remainder of their lives. Harris finds that such fiscal sentences, which are imposed disproportionately on low-income minorities, help create a permanent economic underclass and deepen social stratification. A Pound of Flesh delves into the court practices of five counties in Washington State to illustrate the ways in which subjective sentencing shapes the practice of monetary sanctions. Judges and court clerks hold a considerable degree of discretion in the sentencing and monitoring of monetary sanctions and rely on individual values—such as personal responsibility, meritocracy, and paternalism—to determine how much and when offenders should pay. Harris shows that monetary sanctions are imposed at different rates across jurisdictions, with little or no state government oversight. Local officials’ reliance on their own values and beliefs can also push offenders further into debt—for example, when judges charge defendants who lack the means to pay their fines with contempt of court and penalize them with additional fines or jail time. A Pound of Flesh provides a timely examination of how monetary sanctions permanently bind poor offenders to the judicial system. Harris concludes that in letting monetary sanctions go unchecked, we have created a two-tiered legal system that imposes additional burdens on already-marginalized groups.

Debt to Society

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Publisher : U of Minnesota Press
ISBN 13 : 1452941602
Total Pages : 302 pages
Book Rating : 4.4/5 (529 download)

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Book Synopsis Debt to Society by : Miranda Joseph

Download or read book Debt to Society written by Miranda Joseph and published by U of Minnesota Press. This book was released on 2014-09-01 with total page 302 pages. Available in PDF, EPUB and Kindle. Book excerpt: It is commonplace to say that criminals pay their debt to society by spending time in prison, but what is a “debt to society”? How is crime understood as a debt? How has time become the equivalent for crime? And how does criminal debt relate to the kind of debt held by consumers and university students? In Debt to Society, Miranda Joseph explores modes of accounting as they are used to create, sustain, or transform social relations. Envisioning accounting broadly to include financial accounting, managerial accounting of costs and performance, and the calculation of “debts to society” owed by criminals, Joseph argues that accounting technologies have a powerful effect on social dynamics by attributing credits and debts. From sovereign bonds and securitized credit card debt to student debt and mortgages, there is no doubt that debt and accounting structure our lives. Exploring central components of neoliberalism (and neoliberalism in crisis) from incarceration to personal finance and university management, Debt to Society exposes the uneven distribution of accountability within our society. Joseph demonstrates how ubiquitous the forces of accounting have become in shaping all aspects of our lives, proposing that we appropriate accounting and offer alternative accounts to turn the present toward a more widely shared well-being.

Repairing a Broken System

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Publisher : DIANE Publishing
ISBN 13 : 1437936350
Total Pages : 106 pages
Book Rating : 4.4/5 (379 download)

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Book Synopsis Repairing a Broken System by : Jon Leibowitz

Download or read book Repairing a Broken System written by Jon Leibowitz and published by DIANE Publishing. This book was released on 2010-11 with total page 106 pages. Available in PDF, EPUB and Kindle. Book excerpt: Creditors and collectors seek to recover consumer debts through the use of litigation and arbitration. But, neither litigation nor arbitration currently provides adequate protection for consumers. The system for resolving disputes about consumer debts is broken. To fix the system, federal and state governments, the debt collection industry, and other stakeholders should make a variety of significant reforms in litigation and arbitration so that the system is both efficient and fair. Contents of this report: Introduction; Litigation and Arbitration Proceedings; Conclusion. Appendices: Debt Collection Roundtable (DCR) Panelists; Contributors to DCR; Agendas for DCR; DCR Public Comments; Sample State Debt Collection Checklists. Illustrations.

The Collection Process (income Tax Accounts)

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Publisher :
ISBN 13 :
Total Pages : 4 pages
Book Rating : 4.3/5 (126 download)

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Book Synopsis The Collection Process (income Tax Accounts) by : United States. Internal Revenue Service

Download or read book The Collection Process (income Tax Accounts) written by United States. Internal Revenue Service and published by . This book was released on 1978 with total page 4 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Your Money, Your Goals

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Publisher : Createspace Independent Publishing Platform
ISBN 13 : 9781508906827
Total Pages : 0 pages
Book Rating : 4.9/5 (68 download)

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Book Synopsis Your Money, Your Goals by : Consumer Financial Consumer Financial Protection Bureau

Download or read book Your Money, Your Goals written by Consumer Financial Consumer Financial Protection Bureau and published by Createspace Independent Publishing Platform. This book was released on 2015-03-18 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt: Welcome to the Consumer Financial Protection Bureau's Your Money, Your Goals: A financial empowerment toolkit for social services programs! If you're reading this, you are probably a case manager, or you work with case managers. Finances affect nearly every aspect of life in the United States. But many people feel overwhelmed by their financial situations, and they don't know where to go for help. As a case manager, you're in a unique position to provide that help. Clients already know you and trust you, and in many cases, they're already sharing financial and other personal information with you. The financial stresses your clients face may interfere with their progress toward other goals, and providing financial empowerment information and tools is a natural extension of what you are already doing. What is "financial empowerment" and how is it different from financial education or financial literacy? Financial education is a strategy that provides people with financial knowledge, skills, and resources so they can get, manage, and use their money to achieve their goals. Financial education is about building an individual's knowledge, skills, and capacity to use resources and tools, including financial products and services. Financial education leads to financial literacy. Financial empowerment includes financial education and financial literacy, but it is focused both on building the ability of individuals to manage money and use financial services and on providing access to products that work for them. Financially empowered individuals are informed and skilled; they know where to get help with their financial challenges. This sense of empowerment can build confidence that they can effectively use their financial knowledge, skills, and resources to reach their goals. We designed this toolkit to help you help your clients become financially empowered consumers. This financial empowerment toolkit is different from a financial education curriculum. With a curriculum, you are generally expected to work through most or all of the material in the order presented to achieve a specific set of objectives. This toolkit is a collection of important financial empowerment information and tools you can access as needed based on the client's goals. In other words, the aim is not to cover all of the information and tools in the toolkit - it is to identify and use the information and tools that are best suited to help your clients reach their goals.

Congressional Record

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Publisher :
ISBN 13 :
Total Pages : 1324 pages
Book Rating : 4.A/5 ( download)

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Book Synopsis Congressional Record by : United States. Congress

Download or read book Congressional Record written by United States. Congress and published by . This book was released on 1968 with total page 1324 pages. Available in PDF, EPUB and Kindle. Book excerpt:

Criminal debt oversight and actions needed to address deficiencies in collection processes : report to the ranking minority member, Permanent Subcommittee on Investigations, Committee on Governmental Affairs, U.S. Senate

Download Criminal debt oversight and actions needed to address deficiencies in collection processes : report to the ranking minority member, Permanent Subcommittee on Investigations, Committee on Governmental Affairs, U.S. Senate PDF Online Free

Author :
Publisher : DIANE Publishing
ISBN 13 : 1428946705
Total Pages : 125 pages
Book Rating : 4.4/5 (289 download)

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Book Synopsis Criminal debt oversight and actions needed to address deficiencies in collection processes : report to the ranking minority member, Permanent Subcommittee on Investigations, Committee on Governmental Affairs, U.S. Senate by :

Download or read book Criminal debt oversight and actions needed to address deficiencies in collection processes : report to the ranking minority member, Permanent Subcommittee on Investigations, Committee on Governmental Affairs, U.S. Senate written by and published by DIANE Publishing. This book was released on with total page 125 pages. Available in PDF, EPUB and Kindle. Book excerpt:

The Pig Book

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Publisher : Macmillan
ISBN 13 : 9780312343576
Total Pages : 212 pages
Book Rating : 4.3/5 (435 download)

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Book Synopsis The Pig Book by : Citizens Against Government Waste

Download or read book The Pig Book written by Citizens Against Government Waste and published by Macmillan. This book was released on 2005-04-06 with total page 212 pages. Available in PDF, EPUB and Kindle. Book excerpt: A compendium of the most ridiculous examples of Congress's pork-barrel spending.

The Debt Collector

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Author :
Publisher : Random House of Canada
ISBN 13 : 9780440225324
Total Pages : 352 pages
Book Rating : 4.2/5 (253 download)

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Book Synopsis The Debt Collector by : Lynn Hightower

Download or read book The Debt Collector written by Lynn Hightower and published by Random House of Canada. This book was released on 2001-11-01 with total page 352 pages. Available in PDF, EPUB and Kindle. Book excerpt: Cincinnati police detective Sonora Blair finds herself walking a difficult and dangerous line of dark secrets, shocking surprises, and unpaid debts, as she and her partner, Sam, investigate the savage mass murder of a typical American family. By the author of No Good Deed. Reprint.