chain of title how three ordinary americans uncovered wall streets great foreclosure fraud

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Chain Of Title

Author : David Dayen
ISBN : 9781620971598
Genre : Business & Economics
File Size : 28. 30 MB
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In the depths of the Great Recession, a cancer nurse, a car dealership worker, and an insurance fraud specialist helped uncover the largest consumer crime in American history—a scandal that implicated dozens of major executives on Wall Street. They called it foreclosure fraud: millions of families were kicked out of their homes based on false evidence by mortgage companies that had no legal right to foreclose. Lisa Epstein, Michael Redman, and Lynn Szymoniak did not work in government or law enforcement. They had no history of anticorporate activism. Instead they were all foreclosure victims, and while struggling with their shame and isolation they committed a revolutionary act: closely reading their mortgage documents, discovering the deceit behind them, and building a movement to expose it. Fiscal Times columnist David Dayen recounts how these ordinary Floridians challenged the most powerful institutions in America armed only with the truth—and for a brief moment they brought the corrupt financial industry to its knees.

Bad Paper

Author : Jake Halpern
ISBN : 9780374711245
Genre : True Crime
File Size : 23. 41 MB
Format : PDF
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The Federal Trade Commission receives more complaints about rogue debt collecting than about any activity besides identity theft. Dramatically and entertainingly, Bad Paper reveals why. It 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 strivers and rogues, Jake Halpern chronicles their 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. He also tracks a "package" of debt that is stolen by unscrupulous collectors, leading to a dramatic showdown with guns in a Buffalo corner store. Along the way, he reveals the human cost of a system that compounds the troubles of hardworking Americans and permits banks to ignore their former customers. The result is a vital exposé that is also a bravura feat of storytelling.

The Wealthy Renter

Author : Alex Avery
ISBN : 9781459736481
Genre : Business & Economics
File Size : 27. 51 MB
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A National Bestseller! Why be house poor when you can rent rich? “Why rent when you can buy?” More than any other, this phrase captures the overwhelmingly unanimous promotion of home ownership to Canadians. Real estate agents, mortgage brokers, family, friends, and even the government promote ownership as a safe, attractive, and sure-fire path to personal wealth. This one-size-fits-all advice ignores the reality of Canada’s housing market. Canadians deserve better advice. Faced with expensive house prices in a near-zero interest rate world, it’s time Canadians heard the virtues of renting and seriously considered renting as an alternative to home ownership. Real estate analyst Alex Avery insists renting offers a simple, more affordable way to live, plus in Canada’s frenzied housing market, going month-to-month is dramatically lower risk. He claims the reputation of home ownership as a wealth building strategy is unfounded and shows renters how to replace bricks-and-mortar with better investment opportunities.

Jpmadoff

Author : Helen Davis Chaitman
ISBN : 1522886206
Genre : Financial crises
File Size : 37. 39 MB
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"Bernie Madoff committed the biggest financial crime in history, stealing $64.8 billion from tens of thousands of innocent people. But to carry out criminal activity on this scale, he needed a major bank to service his needs and conceal his criminal activities. The corrupt bankers at JPMorgan Chase decided to enrich themselves at the expense of innocent customers. They looked the other way for years, while having free use of Madoff's multi-billion dollar deposit balances"--Back cover.

Loopholes Of Real Estate

Author : Garrett Sutton
ISBN : 9781937832476
Genre : Business & Economics
File Size : 29. 66 MB
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The Loopholes of Real Estate reveals the tax and legal strategies used by the rich for generations to acquire and benefit from real estate investments. Clearly written, The Loopholes of Real Estate shows you how to open tax loopholes for your benefit and close legal loopholes for your protection.

Necessary Trouble

Author : Sarah Jaffe
ISBN : 9781568585376
Genre : Political Science
File Size : 41. 15 MB
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Necessary Trouble is the definitive book on the movements that are poised to permanently remake American politics. We are witnessing a moment of unprecedented political turmoil and social activism. Over the last few years, we've seen the growth of the Tea Party, a twenty-first-century black freedom struggle with BlackLivesMatter, Occupy Wall Street, and the grassroots networks supporting presidential candidates in defiance of the traditional party elites. Sarah Jaffe leads readers into the heart of these movements, explaining what has made ordinary Americans become activists. As Jaffe argues, the financial crisis in 2008 was the spark, the moment that crystallized that something was wrong. For years, Jaffe crisscrossed the country, asking people what they were angry about, and what they were doing to take power back. She attended a people's assembly in a church gymnasium in Ferguson, Missouri; walked a picket line at an Atlanta Burger King; rode a bus from New York to Ohio with student organizers; and went door-to-door in Queens days after Hurricane Sandy. From the successful fight for a 15 minimum wage in Seattle and New York to the halting of Shell's Arctic drilling program, Americans are discovering the effectiveness of making good, necessary trouble. Regardless of political alignment, they are boldly challenging who wields power in this country.

The Stefanchik Method

Author : John Stefanchik
ISBN : 068812741X
Genre : Business & Economics
File Size : 72. 39 MB
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Explains an investment strategy designed to help one make great profits by buying and selling privately held mortgages and trust deeds

Suggestible You

Author : Erik Vance
ISBN : 9781426217913
Genre : Medical
File Size : 66. 40 MB
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This riveting narrative explores the world of placebos, hypnosis, false memories, and neurology to reveal the groundbreaking science of our suggestible minds. Could the secrets to personal health lie within our own brains? Journalist Erik Vance explores the surprising ways our expectations and beliefs influence our bodily responses to pain, disease, and everyday events. Drawing on centuries of research and interviews with leading experts in the field, Vance takes us on a fascinating adventure from Harvard’s research labs to a witch doctor’s office in Catemaco, Mexico, to an alternative medicine school near Beijing (often called “China’s Hogwarts”). Vance’s firsthand dispatches will change the way you think—and feel. Expectations, beliefs, and self-deception can actively change our bodies and minds. Vance builds a case for our “internal pharmacy”—the very real chemical reactions our brains produce when we think we are experiencing pain or healing, actual or perceived. Supporting this idea is centuries of placebo research in a range of forms, from sugar pills to shock waves; studies of alternative medicine techniques heralded and condemned in different parts of the world (think crystals and chakras); and most recently, major advances in brain mapping technology. Thanks to this technology, we're learning how we might leverage our suggestibility (or lack thereof) for personalized medicine, and Vance brings us to the front lines of such study.

Wall Street And The Financial Crisis

Author : Senate Subcommittee on Investigations
ISBN : 9781616405458
Genre : Business & Economics
File Size : 47. 68 MB
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After a two-year investigation by the Senate Permanent Subcommittee on Investigation, their report, Wall Street and the Financial Crisis: Anatomy of a Financial Collapse was released in April 2011. This is the most damning official report to date on Wall Street's role in the financial crisis. It describes the wheeling and dealing of bankers and others who benefited from the housing bubble while impoverishing the rest of America. It also offers four very clear causes of the financial crisis and, last but not least, it names culprits: - High risk mortgage loans by commercial banks were "the fuel that ignited the financial crisis" (describing the case study of Washington Mutual Bank, the sixth largest commercial bank at the time of its failure in September, 2008 ) - Failures by regulators "set the stage for mortgage loan losses that were a proximate cause of the financial crisis" (describing the case study of the Office of the Thrift Supervision, which was closed in 2010 and whose operations folded into the Office of the Comptroller of the Currency); - Inaccurate AAA credit ratings by the two largest credit rating agencies "constituted a key cause of the financial crisis" (describing Moody's and Standard & Poor's conflicts of interest while both had a quasi-monopoly position in the market for credit ratings); - Investment bank abuses: "The Investment banks that engineered, sold, traded, and profited from mortgage-related structured finance products were a major cause of the financial crisis" (describing case studies of Goldman Sachs and Deutsche Bank). This report and its detailed case studies are a must-read for policymakers, politicians, justice officials, bankers, journalists, academics and concerned citizens in order to understand what brought the economy to the brink of destruction. The U.S. SENATE PERMANENT SUBCOMMITTEE ON INVESTIGATIONS (PSI) is a bi-partisan team of senators that deals with Homeland Security and Governmental Affairs, and is currently headed by Senator Carl Levin (D-MI) and Senator Tom Coburn (R-OK). Formerly known as the Committee on Government Operations, PSI is the oldest subcommittee of the Senate Homeland Security Committee.

The Ten Cent Plague

Author : David Hajdu
ISBN : 0312428235
Genre : Comics & Graphic Novels
File Size : 67. 15 MB
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Examines the influence of comic books on the evolution of American popular culture in the years between World War II and the emergence of television, focusing on the battle against comic books by church groups, community elite, and a right-wing Congress.

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