Chain of Title

Author: David Dayen
Publisher: The New Press
ISBN: 1620974185
Format: PDF, Kindle
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NOW IN PAPERBACK The "gripping" (New York Times) and "Hitchcockian"(Publishers Weekly) story of how a nurse, a car dealership worker, and a forensic expert took on the nation’s largest banks A Kirkus Reviews and The Week best book of the year, David Dayen’s Chain of Title is a riveting work that recalls A Civil Action, Erin Brockovich, and Flash Boys, recounting how three ordinary Floridians—a car dealership worker, a cancer nurse, and an insurance fraud specialist—helped uncover the largest consumer crime in American history, challenged the most powerful institutions in America, and—for a brief moment—brought the corrupt financial industry to its knees. Lisa Epstein, Michael Redman, and Lynn Szymoniak did not work in government or law enforcement. They had no history of anticorporate activism. Instead they were all foreclosure victims, and while struggling with their shame and isolation they committed a revolutionary act: closely reading their mortgage documents, discovering the deceit behind them, and building a movement to expose it. Harnessing the power of the Internet, they revealed how the financial crisis and subsequent recession were fundamentally based upon a series of frauds that kicked millions out of their homes because of false evidence by mortgage companies that had no legal right to foreclose. As Rolling Stone's Matt Taibbi noted: "Chain of Title is a sweeping work of investigative journalism that traces the arc of a criminally underreported story in America, the collapse of the rule of law in the home mortgage industry."

Chain of Title

Author: David Dayen
Publisher: New Press, The
ISBN: 1620971593
Format: PDF, Kindle
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In the depths of the Great Recession, a cancer nurse, a car dealership worker, and an insurance fraud specialist helped uncover the largest consumer crime in American history—a scandal that implicated dozens of major executives on Wall Street. They called it foreclosure fraud: millions of families were kicked out of their homes based on false evidence by mortgage companies that had no legal right to foreclose. Lisa Epstein, Michael Redman, and Lynn Szymoniak did not work in government or law enforcement. They had no history of anticorporate activism. Instead they were all foreclosure victims, and while struggling with their shame and isolation they committed a revolutionary act: closely reading their mortgage documents, discovering the deceit behind them, and building a movement to expose it. Fiscal Times columnist David Dayen recounts how these ordinary Floridians challenged the most powerful institutions in America armed only with the truth—and for a brief moment they brought the corrupt financial industry to its knees.

Chain of Title

Author: David Dayen
Publisher:
ISBN: 9781620973509
Format: PDF
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A riveting work that recalls A Civil Action, Erin Brockovich, and Flash Boys, recounting how three ordinary Floridians - a car dealership worker, a cancer nurse, and an insurance fraud specialist - helped uncover the largest consumer crime in American history, challenged the most powerful institutions in America, and - for a brief moment - brought the corrupt financial industry to its knees.

Bad Paper

Author: Jake Halpern
Publisher: Farrar, Straus and Giroux
ISBN: 0374711240
Format: PDF, ePub, Mobi
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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.

House of Debt

Author: Atif Mian
Publisher: University of Chicago Press
ISBN: 022627750X
Format: PDF, ePub
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The Great American Recession resulted in the loss of eight million jobs between 2007 and 2009. More than four million homes were lost to foreclosures. Is it a coincidence that the United States witnessed a dramatic rise in household debt in the years before the recession—that the total amount of debt for American households doubled between 2000 and 2007 to $14 trillion? Definitely not. Armed with clear and powerful evidence, Atif Mian and Amir Sufi reveal in House of Debt how the Great Recession and Great Depression, as well as the current economic malaise in Europe, were caused by a large run-up in household debt followed by a significantly large drop in household spending. Though the banking crisis captured the public’s attention, Mian and Sufi argue strongly with actual data that current policy is too heavily biased toward protecting banks and creditors. Increasing the flow of credit, they show, is disastrously counterproductive when the fundamental problem is too much debt. As their research shows, excessive household debt leads to foreclosures, causing individuals to spend less and save more. Less spending means less demand for goods, followed by declines in production and huge job losses. How do we end such a cycle? With a direct attack on debt, say Mian and Sufi. More aggressive debt forgiveness after the crash helps, but as they illustrate, we can be rid of painful bubble-and-bust episodes only if the financial system moves away from its reliance on inflexible debt contracts. As an example, they propose new mortgage contracts that are built on the principle of risk-sharing, a concept that would have prevented the housing bubble from emerging in the first place. Thoroughly grounded in compelling economic evidence, House of Debt offers convincing answers to some of the most important questions facing the modern economy today: Why do severe recessions happen? Could we have prevented the Great Recession and its consequences? And what actions are needed to prevent such crises going forward?

Fighting the Foreclosure Machine

Author: Robert M. Janes
Publisher: Esprouts, LLC
ISBN: 9780985128609
Format: PDF
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DON'T ASSUME THEY WIN! - even if you're behind on the mortgage payments. If you or someone you know is threatened with foreclosure, you need this book. Missed mortgage payments do not necessarily mean that you're in default, or that your opponent has the right to take your home. FIGHTING THE FORECLOSURE MACHINE explains in plain language how borrower protections of fairness are embedded in the foreclosure laws of every state. Learn how you can use these laws as a powerful weapon in your fight to defend your home. Use this information to assess whether a foreclosure lawsuit is best for you. If you decide to fight back, this is a litigation resource with legal references, examples and forms to help you and your legal advisor avoid time-consuming and costly duplication of legal research and analysis.

Exoneree Diaries

Author: Alison Flowers
Publisher: Haymarket Books
ISBN: 1608466752
Format: PDF, ePub, Mobi
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An in depth and personal look into the lives of four people wrongfully imprisoned for crimes they didn't commit.

The Living Trust Advisor

Author: Jeffrey L. Condon
Publisher: John Wiley & Sons
ISBN: 1119093317
Format: PDF
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A comprehensive guide to living trusts, with expert financial and legal guidance The Living Trust Advisor is an expert guide for both advisors and their clients on the complex process of establishing, living with, and maintaining a living trust. Written by renowned family inheritance attorney Jeffrey L. Condon, this book discusses the various aspects of this important document, and shows you how to manage a seamless transfer of assets to various beneficiaries. This new second edition has been fully updated and revised to reflect the extensive changes to the Estate Tax Law that have taken place since the initial publication, giving you the most up-to-date information and guidance on preserving your wealth and helping your heirs avoid estate tax liability. You'll develop a vision for your trust before you ever meet with an attorney or other key players, and learn how to establish and maintain a trust that remains rock-solid for your lifetime and beyond. As the living trust has replaced the will as the primary means of settling after-death estates, clear guidance and current legal information is of utmost importance for advisors and clients alike. This book is a valuable resource for every stage of planning and execution, helping you ensure that you provide for your beneficiaries the way you intend. Know what to think about before your first meeting with a lawyer Establish and manage your living trust to carry out your wishes Identify potential inheritance problems and build solutions into the trust Distribute assets to future generations, and protect them after the transfer Dealing with complex financial and legal issues while facing our own mortality is a difficult task, but making these decisions is critical to the future outcome of your estate. The Living Trust Advisor expertly guides you through the process so you can be confident that your wishes will be carried out.

American Canopy

Author: Eric Rutkow
Publisher: Simon and Schuster
ISBN: 1439193584
Format: PDF, ePub, Mobi
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Explains how the story of trees in America reflects the nation's history, discussing the use of pines for British warships, the California orange groves that lured pioneers, and the enduring symbolism of trees for communities.

Betting on Famine

Author: Jean Ziegler
Publisher: New Press, The
ISBN: 1595588493
Format: PDF, ePub
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Few know that world hunger was very nearly eradicated in our lifetimes. In the past five years, however, widespread starvation has suddenly reappeared, and chronic hunger is a major issue on every continent. In an extensive investigation of this disturbing shift, Jean Ziegler—one of the world’s leading food experts—lays out in clear and accessible terms the complex global causes of the new hunger crisis. Ziegler’s wide-ranging and fascinating examination focuses on how the new sustainable revolution in energy production has diverted millions of acres of corn, soy, wheat, and other grain crops from food to fuel. The results, he shows, have been sudden and startling, with declining food reserves sending prices to record highs and a new global commodities market in ethanol and other biofuels gobbling up arable lands in nearly every continent on earth. Like Raj Patel’s pathbreaking Stuffed and Starved, Betting on Famine will enlighten the millions of Americans concerned about the politics of food at home—and about the forces that prevent us from feeding the world’s children.