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.
Fixer-Upper is the first book assessing how the broad set of local, state, and national housing policies affect people and communities. It does more than describe how yesterday’s policies led to today’s problems.
In The Great Recession, David B. Grusky, Bruce Western, Christopher Wimer, eds. New York: Russell Sage Foundation, pp. 249–293. Card, David, and Craig Riddell. 1993. “A Comparative Analysis of Unemployment in Canada and the United ...
With easy-to-understand language and real-life examples, they explain how and why the health system works as it does, and what we can do to fix it.
"In Financial Exclusion, Robert E. Wright shows that America once ameliorated financial discrimination by leveraging the power of competition, allowing people who felt they were irrationally deprived of loans, insurance, or other financial ...
The premise of this book is further substantiated because increased value has been placed upon involving parents and other family members, as well as other primary caregivers, as critical partners in the process of education in recent ...
From managing credit through marriage and divorce, to filing dispute letters and the powerful 10-day fix for raising your credit score, this book contains a wealth of invaluable knowledge about the credit system - and how to stay on top.
The goal is to make government simpler with full public accountability. The book is divided into four sections.
Yes, we can. Yes, we must! This book provides many ideas and suggestions - rooted in a broad worldview and sound analysis - that can get us started on our way.
Social science.
Contractors can go broke: driven into bankruptcy by hidden exposures and insurance loopholes that leave them blind-sided to their biggest risks.