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Consumer debt

Author: Joseph C Tardiff
Publisher: Detroit, MI : Greenhaven Press/Gale Cengage Learning, ©2010.
Series: Current controversies.
Edition/Format:   eBook : Document : EnglishView all editions and formats
Summary:
Editorial Reviews: VOYA: Laura Panter -- The "Current Controversies" series explores the social, political and economic controversies that are plaguing world today. Each chapter begins with a preface that offers background information on the topic at hand. The chapters are organized around key questions that are answered by various authors with differing opinions. The opinions of the authors of each article are  Read more...
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Genre/Form: Electronic books
Additional Physical Format: Print version:
Consumer debt.
Detroit, MI : Greenhaven Press/Gale Cengage Learning, ©2010
(DLC) 2009048658
(OCoLC)441154045
Material Type: Document, Internet resource
Document Type: Internet Resource, Computer File
All Authors / Contributors: Joseph C Tardiff
OCLC Number: 768329088
Description: 1 online resource (263 pages).
Contents: Foreword --
Introduction --
Is Consumer Debt Bad For The Economy? --
Overview: the benefits and pitfalls of consumer credit usage / Kristie M Engemann and Michael T Owyang --
Yes: High interest rates and fees associated with borrowing entrap consumers --
Economic necessity drives the surge in consumer debt / Christian E Weller --
Increased debt levels threaten middle-class lifestyles / John Gallagher --
Excessive debt prevents people from saving for retirement / Lynn O'Shaughnessy --
Low-income consumers are unable to pay off high-interest debt / Tamara Draut --
No: Most consumers are responsible borrowers who value the convenience of credit --
Responsible consumer credit increases one's quality of life and fuels the economy / Matthew Ruben --
Consumer credit is a convenient financial resource for responsible borrowers / Virginia Postrel --
Majority of borrowers live within their financial means / John Zogby --
Are Credit Cards Good For Consumers? --
Overview: History and function of the credit card / Federal Deposit Insurance Corporation --
Yes: Credit cards are necessary for making financial transactions in the modern economy --
Most consumers owe little or nothing to credit card companies / Liz Pulliam Weston --
Credit cards allow for convenient, secure financial transactions / Richard Gilliland --
Credit card technology spurs domestic and international economic growth / Scott Schmith --
No: Excessive credit card debt is costly to borrowers and might harm the economy --
Credit card industry burdens borrowers with unfair interest rates and hidden fees / Jose Garcia, James Lardner, and Cindy Zeldin --
Credit card debt disproportionately affects low- and middle-income Americans / Christian E Weller --
Stricter lending standards force credit card users to modify spending habits / Daniel Gross --
Dramatic increase in national credit card debt could devastate the economy / Peter D Schiff --
Do Lenders And Debt Collection Agencies Treat Borrowers Fairly? --
Overview: Paying off consumer debt / Federal Trade Commission --
Yes: New Governmental regulations and ethical financial advisers provide debtors with adequate protection --
Best way to avoid debt collectors is no to go into debt / Llewellyn H Rockwell Jr --
Evangelical financial advisers inspire debtors to regain control of their finances / Jason Byassee --
Legislation and awareness help expose deceptive tactics of private student loan issuers / Haley Chitty --
No: Loose governmental regulation allows lenders and debt collection agencies to take advantage of borrowers --
Debt collection agencies should not be allowed to harass debtors / Charles Phelan --
Government should create a commission to monitor the financial services industry / Elizabeth Warren --
Payday lenders should not be allowed to charge exorbitant interest rates / Jonathan P Baird --
Is Declaring Bankruptcy A Good Way To Handle Too Much Debt? --
Overview: Dramatic Rise In Personal Bankruptcies / Thomas A Garrett --
Economic policies of the federal reserve have encourage consumers to take on too much debt / William Norman Grigg --
Unexpected, exorbitant medical bills can force consumers into bankruptcy / Dan Frosch --
Lenient bankruptcy standards encourage risk-taking and innovation / Aparna Mathur --
One should explore all options before declaring bankruptcy / Ilana Polyak --
Organizations to contact --
Bibliography --
Index.
Series Title: Current controversies.
Responsibility: Joseph Tardiff, book editor.

Abstract:

Editorial Reviews: VOYA: Laura Panter -- The "Current Controversies" series explores the social, political and economic controversies that are plaguing world today. Each chapter begins with a preface that offers background information on the topic at hand. The chapters are organized around key questions that are answered by various authors with differing opinions. The opinions of the authors of each article are those that could be found in our every day society. Consumer Debt delves into the increasing burden of debt that middle class and lower income individuals are accumulating through credit cards, school loans, and high house mortgages. Expenses continue to increase as income levels remain stagnant or decrease. For individuals of the Gen Xer age, expenses are so high that saving for retirement for is, for most, unattainable. Credit card companies hit users with high interest rates and hidden fees while other arguments counter that there are plenty of consumers who do not use credit at all. This series is mainly designed for controlled research through information gleaned from periodicals, newspapers, books, government documents and organizations; however, the drawback is that most information contained in these books is already over a year old. More accurate information can be found through databases and online research. This would be a good purchase for libraries if students needed older statistics to back up their position while writing a research paper. Reviewer: Laura Panter.

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