By Gregory D. Squires
ISBN-10: 027598186X
ISBN-13: 9780275981860
The proverbial American dream of possessing a house has develop into an all-too-real nightmare for an increasing number of households. the main weak segments of our society—including minorities, the aged, and dealing families—are being victimized via financiers who trap them into commitments they can't satisfy. jointly referred to as predatory lending, those practices contain supplying larger rates of interest than will be justified by means of the danger, excessive pre-payment consequences that lock households into exploitative loans, and substantial balloon funds that frequently lead to default and the lack of the house. the web outcome should be disastrous: harm to one's credit standing, financial ruin, or even the lack of lifelong savings.
Why the negative Pay More is an incisive publicity of those practices: how they've got advanced, why they've got develop into so popular lately, and the way their unwanted effects will be quantified. It beneficial properties in-depth research from well known students, criminal specialists, and group leaders, who shed new mild at the social, political, and fiscal effects of predatory lending. Why the negative Pay extra is far greater than an indictment of those insidious discriminatory practices. it's a name to hands for somebody excited about how the financial-political approach may be corrupted to serve the wishes of the rich. Highlighting group projects already underway to strive against predatory lending and an in depth directory of functional assets, Why the bad Pay More outlines energetic roles that folks, advocacy teams, monetary and felony carrier services, and policymakers can play in reversing this damaging trend.
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Why the Poor Pay More: How to Stop Predatory Lending by Gregory D. Squires
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