“The book teems with eccentric characters and scenes that made my skin crawl…. Explained simply, read easily, Bad Paper defies expectations. It should also raise quite a few alarms.”-Colin Dwyer, NPR

The Federal Trade Commission receives more complaints about rogue debt collecting than it does about any activity besides identity theft. In Bad Paper, journalist Jake Halpern reveals why. He 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 characters, Halpern chronicles Aaron and Brandon’s 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. The result is a vital exposé on the cost of a system that compounds the troubles of hardworking Americans and an astonishing feat of storytelling.

An Amazon Best Book of the Month, October 2014: Everyone knows about collections agencies, but how they actually operate is much more interesting than you probably think. Falling somewhere between Glengarry Glen Ross and Mean Streets, Jake Halpern’s Bad Paper introduces us to an economy spanning many shades of gray. Halpern’s book tracks the descent of “paper” (spreadsheets containing the information of millions of debtors and their debts) as it’s sold for pennies on the dollar by banks and credit companies and passed through a network of collectors. Files are often bought and sold multiple times, each transaction stripping away the best remaining prospects as collectors wring paper dry through all manners of persuasion and coercion. Along the way, Halpern encounters first-hand the game’s players, from the financiers at the top of the pyramid to mid-level “brokers” and the ground-level phone-jockeys; these are all hard men within their contexts, as one tale of a Tarantino-grade stand-off over stolen information attests. This book is unexpected, and unexpectedly fun. –Jon Foro

“WE REQUIRE A DIFFERENT BATTLEFIELD.” Nobody expected the war to last three hours, let alone three years. The star system of Archangel holds the line against invading corporate fleets, but a quarter of its territory is already lost. The navy can’t hang on much longer. Faced with this grim truth, Archangel’s leaders shift their strategy to diplomacy and espionage. For both arenas, they call upon a reluctant weapon: a frontline grunt named Tanner Malone. These days, Tanner doesn’t aspire to win the war. He merely wants to survive it. Now he’ll be thrust into the center of events once again, pulled back and forth from covert missions to the media spotlight. Yet with every battle, he gets closer to the old enemy hidden in the shadows, and the ugly truth about the war that could unravel everything Archangel might hope to win.

I don’t know what I was thinking when I hired someone to attack me. Maybe I was bored, or lonely, or there was a void so deep inside of me that I needed something explosive to fill it. It was supposed to be safe. A thrill. A way to break through the monotony of everyday life. It was an illusion of danger that I could walk away from as soon as it was over. Except that it wasn’t. Because I had been in danger long before I ever invited it into my life. ——————— My mission is almost complete. The bubbling boil of vengeance that heats my blood might finally simmer. She is the last piece of the puzzle. Once I destroy her, everyone who ever hurt me will have paid their debt. It was supposed to be quick and easy, but as soon as I met her it got complicated. Very complicated.

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i return to osrs

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Two months after Mitch Jenkins had the rug pulled out from under him when his two-year relationship came to an abrupt end, he is still hurting. A colleague s attempt to cheer him up brings Mitch to a secret club. Mitch isn t remotely interested in the twinks parading like peacocks, until he spies the young man at the back of the room, nose firmly in a book and oblivious to his surroundings. Now Mitch is interested.

Nikko Kurokawa wants to pay his debt and get the hell out of the Black Lounge. Earning his freedom isn t proving easy, especially when he starts attracting interest. Life becomes that little bit easier to bear when he meets Mitch, who is nothing like the other men who frequent the club. And when Mitch crawls under his skin and into his heart, Nikko figures he can put up with anything. Before long he ll be out of there, and he and Mitch can figure out if they have a future together.

Neither of them counted on those who don t want Nikko to leave .”

Imogen Quy–rhymes with why–is the witty, compassionate, and relentlessly inquisitive college nurse at St. Agatha’s College, Cambridge University. Unfortunately, St. Agatha’s has seen better days: Its financial affairs are in shambles, and the school is teetering on the verge of bankruptcy.
That is, until billionaire financier and St. Agatha’s College alum Sir Julius Farran decides to pay his alma mater a visit. Things are looking up for St. Agatha’s….but when Sir Julius suddenly dies in questionable circumstances, St. Agatha’s is in danger of closing forever. A nurse is a natural receiver of confidences, and Imogen soon learns that Sir Julius had far more enemies than friends. Her curiosity is initially piqued, but soon turns to alarm when Julius’s equally unpleasant son-in-law is found murdered. The case takes on particular urgency because Imogen’s former flame, Andrew Duncombe, had been working as Sir Julius’s right-hand man. Imogen must work what out really happened before Andrew is implicated in the murders–or becomes the next victim.
In her first case in more than a decade, Imogen Quy calls upon her clear thinking and insight into human nature to seek not only truth but justice. Readers will delight in the return of this “exemplary amateur sleuth” (Publishers Weekly) from a brilliant novelist in the best tradition of Dorothy L. Sayers and Josephine Tey.

As the amount of student debt in the U.S. climbs to over $1.7 trillion, students each year are plunged into debilitating debt. President Biden campaigned on a promise of cancelling $10,000 in student debt for every single borrower, but so far his administration hasn’t moved to do so. Economists and activists say, even if he does cancel a portion of student debt, more must be done to prevent student loans from ballooning again in the future.

Student debt in the U.S. has ballooned to over $1.7 trillion since Congress first allowed college students to borrow from the government in 1958. This debt has varying effects on students, workers and the larger economy.

“We see the student debt crisis when it comes to individual student loan borrowers. We see how student loan borrowers struggle to save for retirement, to have emergency savings, to buy houses, to start small businesses,” Student Borrower Protection Center former executive director Seth Frotman told CNBC.

In the last few years, though, activists from both sides of the aisle have called for the president to do something about student debt. Many have even pushed for outright cancellation.

“It is abundantly clear that under a statute called the Higher Education Act, the president of the United States has the legal authority to cancel federally owned student debt,” said Rep. Mondaire Jones, D- N.Y.

Some argue that debt cancelation isn’t the answer and would mostly benefit wealthier borrowers who don’t have a problem paying off their loans on time.

“If I were to say to you, would you borrow one hundred thousand dollars to go to Harvard Law School, you wouldn’t blink and say yes, that’s clearly a good deal,” Wellesley College economics professor Phil Levine said. “We shouldn’t be absolving those people off their debt. They made an enormous investment that’s going to pay off, really, a lot.”

President Joe Biden has been largely silent about a plan to broadly cancel student debt since taking office, even though he campaigned on canceling up to $10,000 in student debt for all borrowers. However, his administration has absolved some student debt for certain groups like borrowers with disabilities and active duty service members.

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How Soon Could Pres. Biden Cancel Student Debt?

We are so excited to have started our debt free journey! This video recounts the progress that we’ve made on our debt since beginning our journey July 17, through August.

Have questions? Feel free to ask in the comment section.