By Jake Halpern
The Federal alternate fee gets extra court cases approximately rogue debt accumulating than approximately any task in addition to identification robbery. Dramatically and entertainingly, undesirable Paper unearths why. It tells the tale of Aaron Siegel, a former banking govt, and Brandon Wilson, a former armed robber, who turn into companions and cross in the hunt for "paper"—the uncollected accounts which are offered off through banks for pennies at the greenback. As Aaron and Brandon study, the realm of purchaser debt assortment is an unregulated shadowland the place operators usually make unwarranted threats or even acquire accounts that aren't theirs.
Introducing an unforgettable forged of strivers and rogues, Jake Halpern chronicles their lives as they deal with high-pressure name facilities, hunt for paper in Las Vegas casinos, and meet in parked automobiles to promote the social defense numbers and account details of unsuspecting shoppers. He additionally tracks a "package" of debt that's stolen by way of unscrupulous creditors, resulting in a dramatic showdown with weapons in a Buffalo nook shop. alongside the best way, he unearths the human expense of a method that compounds the worries of hardworking americans and allows banks to disregard their former clients. the result's an essential exposé that also is a bravura feat of storytelling.
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Extra info for Bad Paper: Chasing Debt from Wall Street to the Underworld
H. Edgar & Son were engaged in business in Detroit, Michigan where they were dealers in sugar. . [I]t was agreed that Edgar & Son should receive a rate of 18 cents per 100 pounds from New York City to Detroit. . [I]t is abundantly established that this concession was given to Edgar & Son to prevent them from resorting to transportation by the water route between New York and Detroit, thereby depriving the roads interested in the business, and to assist Edgar & Son in meeting the severe competition with other shippers and dealers.
It is part of the public history of the times that statutes against rebates could not be effectually enforced so long as individuals only were subject to punishment for violation of the law, when the giving of rebates or concessions enured to the benefit of the corporation of which the individuals were but the instruments. . We see no valid objection in law, and every reason in public policy, why the corporation which profits by the transaction, and can only act through its agents and officers, shall be held punishable by fine because of the knowledge and intent of its agents to whom it has intrusted the authority to act in the subject-matter of making and fixing rates of transportation, and whose knowledge and purposes may well be attributed to the corporation for which the agents work.
McClean, Joseph E. (1946). William Rufus Day: Supreme Court Justice from Ohio. Baltimore: Johns Hopkins Press. Orland, Leonard. (1980). ” American Criminal Law Review 17:501–20. Roberts, Vernon. (1950). “Justice William R. ” Mississippi Valley Historical Review 37:39–60. Wells, Celia. (1993). Corporations and Criminal Responsibility. Oxford: Clarendon Press. 25 The Ford Pinto Case • Document: Mark Dowie, an investigative reporter, focused national attention on the alleged defects of the Ford Pinto automobile.