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STRIKE DEBT!
Strike Debt is a nationwide movement of debt resisters fighting for economic justice and democratic freedom. Debt is a tie that binds the 99%. With stagnant wages, systemic unemployment, and public service cuts, we are forced to go into debt for the basic things APPENDIX A: SAMPLE LETTERS TO CREDIT REPORTING AGENCIES Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix A: Sample Letters to Credit Reporting Agencies. This content is slightly modified from Carreon and Associates.See Chapter One for information about credit reporting agencies. Request forDROM - STRIKE DEBT!
Debt Resistance for the 99%. Written by a network of activists, writers, and academics from Strike Debt, The Debt Resisters’ Operations Manual reveals how the predatory debt system works to increase inequality, undermine democracy, and ruin lives. It provides detailed strategies for fighting common forms of debt and lays out an expansive vision for a societal movement of debt resistance. APPENDIX C: SAMPLE LETTER TO COLLECTION AGENCIES REGARDING Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix C: Sample Letter to Collection Agencies Regarding (Alleged) Medical Debt This content is slightly modified from Carreon and Associates.See Chapter Three for information aboutmedical debt.
CHAPTER THREE
Chapter Four Student Debt: Foreclosing on the Future; Chapter Five Housing Debt: How the American Dream Became a Bait-and-Switch Nightmare; Chapter Six Tax Debt: The Certainty of Debt and Taxes; Chapter Seven Fringe Finance Transaction Products and Services: Making Bank on the Unbanked; Chapter Eight Fringe Finance Credit Products and Services: Credit for the Precariat APPENDIX B: SAMPLE LETTERS TO CONSUMER REPORTING AGENCIES Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix B: Sample Letters to Consumer Reporting Agencies for Checking Accounts All five sample letters have been modified from those made available on ChexSystems Victims.See Chapter One for information about consumer reporting agencies for checkingaccounts.
CHAPTER TWELVE
Chapter Eleven Strategies for Survival: Living on the Margins of the Debt System Chapter Thirteen National Debt: The Politics of Scarcity and Control Chapter Twelve Municipal and State Debt: Crushing Debt from Above. As we’ve seen in previous chapters, ourCHAPTER THIRTEEN
A significant portion of the current $16.74 trillion U.S. national debt (as of June 2013) has been taken on to make up for shortfalls caused by tax cuts for the wealthy, or to pay for the war on terrorism and bailouts for banks and corporations. The debt is issued with the promise that by enabling ongoing accumulation and economic expansion CLOUDY WITH A CHANCE OF RADICALISM: HOW BROKEN CHAIN OF In an earlier post on this website, we told the story of Richmond, California, a small city with big plans to end its foreclosure crisis via a novel use of eminent domain.If successful, this plan could set a nationwide precedent, and Strike Debt Bay Area (@StrikedebtBA), among other groups, is fighting to push it through, against pressure from big banks and big government alike. APPENDIX D: SAMPLE LETTERS TO COLLECTION AGENCIES Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix D: Sample Letters to Collection Agencies. Both sample letters have been modified from those made available on Debt Consolidation Care.See Chapter Nine forSTRIKE DEBT!
Strike Debt is a nationwide movement of debt resisters fighting for economic justice and democratic freedom. Debt is a tie that binds the 99%. With stagnant wages, systemic unemployment, and public service cuts, we are forced to go into debt for the basic things APPENDIX A: SAMPLE LETTERS TO CREDIT REPORTING AGENCIES Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix A: Sample Letters to Credit Reporting Agencies. This content is slightly modified from Carreon and Associates.See Chapter One for information about credit reporting agencies. Request forDROM - STRIKE DEBT!
Debt Resistance for the 99%. Written by a network of activists, writers, and academics from Strike Debt, The Debt Resisters’ Operations Manual reveals how the predatory debt system works to increase inequality, undermine democracy, and ruin lives. It provides detailed strategies for fighting common forms of debt and lays out an expansive vision for a societal movement of debt resistance. APPENDIX C: SAMPLE LETTER TO COLLECTION AGENCIES REGARDING Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix C: Sample Letter to Collection Agencies Regarding (Alleged) Medical Debt This content is slightly modified from Carreon and Associates.See Chapter Three for information aboutmedical debt.
CHAPTER THREE
Chapter Four Student Debt: Foreclosing on the Future; Chapter Five Housing Debt: How the American Dream Became a Bait-and-Switch Nightmare; Chapter Six Tax Debt: The Certainty of Debt and Taxes; Chapter Seven Fringe Finance Transaction Products and Services: Making Bank on the Unbanked; Chapter Eight Fringe Finance Credit Products and Services: Credit for the Precariat APPENDIX B: SAMPLE LETTERS TO CONSUMER REPORTING AGENCIES Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix B: Sample Letters to Consumer Reporting Agencies for Checking Accounts All five sample letters have been modified from those made available on ChexSystems Victims.See Chapter One for information about consumer reporting agencies for checkingaccounts.
CHAPTER TWELVE
Chapter Eleven Strategies for Survival: Living on the Margins of the Debt System Chapter Thirteen National Debt: The Politics of Scarcity and Control Chapter Twelve Municipal and State Debt: Crushing Debt from Above. As we’ve seen in previous chapters, ourCHAPTER THIRTEEN
A significant portion of the current $16.74 trillion U.S. national debt (as of June 2013) has been taken on to make up for shortfalls caused by tax cuts for the wealthy, or to pay for the war on terrorism and bailouts for banks and corporations. The debt is issued with the promise that by enabling ongoing accumulation and economic expansion CLOUDY WITH A CHANCE OF RADICALISM: HOW BROKEN CHAIN OF In an earlier post on this website, we told the story of Richmond, California, a small city with big plans to end its foreclosure crisis via a novel use of eminent domain.If successful, this plan could set a nationwide precedent, and Strike Debt Bay Area (@StrikedebtBA), among other groups, is fighting to push it through, against pressure from big banks and big government alike. APPENDIX D: SAMPLE LETTERS TO COLLECTION AGENCIES Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix D: Sample Letters to Collection Agencies. Both sample letters have been modified from those made available on Debt Consolidation Care.See Chapter Nine forSTRIKE DEBT!
Strike Debt is a nationwide movement of debt resisters fighting for economic justice and democratic freedom. Debt is a tie that binds the 99%. With stagnant wages, systemic unemployment, and public service cuts, we are forced to go into debt for the basic thingsINTRODUCTION
Glossary Chapter One Credit Scores and Consumer Reporting Agencies: Surveillance and the Vicious Cycle of Debt Introduction Debt Rules Everything Around Me. Everyone is affected by debt, from people taking out payday loans at 400% interest to cover basic living costs, to recent graduates paying hundreds of dollars in interest on their students loans every month, to working families bankrupted CLOUDY WITH A CHANCE OF RADICALISM: HOW BROKEN CHAIN OF In an earlier post on this website, we told the story of Richmond, California, a small city with big plans to end its foreclosure crisis via a novel use of eminent domain.If successful, this plan could set a nationwide precedent, and Strike Debt Bay Area (@StrikedebtBA), among other groups, is fighting to push it through, against pressure from big banks and big government alike.CHAPTER ONE
Introduction Debt Rules Everything Around Me Chapter Two Credit Card and Automobile Debt: On the Road to Nowhere Chapter One Credit Scores and Consumer Reporting Agencies: Surveillance and the Vicious Cycle of Debt Imagine being tracked 24/7 by an invisible network, then classified and ranked according to a secret formula. DEATH BY FOR-PROFIT HEALTH CARE Debt Resistance for the 99%. Executive Summary. This report is part of an ongoing effort by a group of health care practitioners, lawyers, researchers, and activists to expose the disastrous impact of medical debt and for-profit health care on families and individuals in theUnited States.
GLOSSARY - STRIKE DEBT! Chapter Fifteen Prospects for Change: Join the Resistance! Introduction Debt Rules Everything Around Me Glossary Accounts receivable management (ARM) A term used by insiders to describe the debt collection industry. Active transportationCHAPTER THIRTEEN
A significant portion of the current $16.74 trillion U.S. national debt (as of June 2013) has been taken on to make up for shortfalls caused by tax cuts for the wealthy, or to pay for the war on terrorism and bailouts for banks and corporations. The debt is issued with the promise that by enabling ongoing accumulation and economic expansionCHAPTER SEVEN
Chapter Six Tax Debt: The Certainty of Debt and Taxes Chapter Eight Fringe Finance Credit Products and Services: Credit for the Precariat Chapter Seven Fringe Finance Transaction Products and Services: Making Bank on the Unbanked As James Baldwin once said, “Anyone who has ever struggled with poverty knows how extremely expensive it is to bepoor.”
APPENDIX D: SAMPLE LETTERS TO COLLECTION AGENCIES Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix D: Sample Letters to Collection Agencies. Both sample letters have been modified from those made available on Debt Consolidation Care.See Chapter Nine forROLLING JUBILEE
Debt Resistance for the 99%. Strike Debt has just abolished $13.5 million in medical debt!STRIKE DEBT!
Strike Debt is a decentralized network of debt resisters, including activists, artists, and organizers. Started in New York City in 2012, Strike Debt has achieved much since its origin: the creation of anti-debt organizations around the US, the writing and publication of The Debt Resisters’ Operations Manual, and the material support and organizational base for APPENDIX A: SAMPLE LETTERS TO CREDIT REPORTING AGENCIES Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix A: Sample Letters to Credit Reporting Agencies. This content is slightly modified from Carreon and Associates.See Chapter One for information about credit reporting agencies. Request forDROM - STRIKE DEBT!
Debt Resistance for the 99%. Written by a network of activists, writers, and academics from Strike Debt, The Debt Resisters’ Operations Manual reveals how the predatory debt system works to increase inequality, undermine democracy, and ruin lives. It provides detailed strategies for fighting common forms of debt and lays out an expansive vision for a societal movement of debt resistance. APPENDIX C: SAMPLE LETTER TO COLLECTION AGENCIES REGARDING Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix C: Sample Letter to Collection Agencies Regarding (Alleged) Medical Debt This content is slightly modified from Carreon and Associates.See Chapter Three for information aboutmedical debt.
APPENDIX B: SAMPLE LETTERS TO CONSUMER REPORTING AGENCIES Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix B: Sample Letters to Consumer Reporting Agencies for Checking Accounts All five sample letters have been modified from those made available on ChexSystems Victims.See Chapter One for information about consumer reporting agencies for checkingaccounts.
CHAPTER THREE
Chapter Four Student Debt: Foreclosing on the Future; Chapter Five Housing Debt: How the American Dream Became a Bait-and-Switch Nightmare; Chapter Six Tax Debt: The Certainty of Debt and Taxes; Chapter Seven Fringe Finance Transaction Products and Services: Making Bank on the Unbanked; Chapter Eight Fringe Finance Credit Products and Services: Credit for the PrecariatCHAPTER THIRTEEN
Chapter Twelve Municipal and State Debt: Crushing Debt from Above Chapter Fourteen Climate Debt: An Overdue Balance Chapter Thirteen National Debt: The Politics of Scarcity and Control What Is National Debt? In common parlance, when we discuss the national debt of modern nations, we are typically referring to the total amount of money still outstanding that the government has borrowed from anyCHAPTER TWELVE
Chapter Eleven Strategies for Survival: Living on the Margins of the Debt System Chapter Thirteen National Debt: The Politics of Scarcity and Control Chapter Twelve Municipal and State Debt: Crushing Debt from Above. As we’ve seen in previous chapters, our CLOUDY WITH A CHANCE OF RADICALISM: HOW BROKEN CHAIN OF In an earlier post on this website, we told the story of Richmond, California, a small city with big plans to end its foreclosure crisis via a novel use of eminent domain.If successful, this plan could set a nationwide precedent, and Strike Debt Bay Area (@StrikedebtBA), among other groups, is fighting to push it through, against pressure from big banks and big government alike.ROLLING JUBILEE
Debt Resistance for the 99%. Strike Debt has just abolished $13.5 million in medical debt!STRIKE DEBT!
Strike Debt is a decentralized network of debt resisters, including activists, artists, and organizers. Started in New York City in 2012, Strike Debt has achieved much since its origin: the creation of anti-debt organizations around the US, the writing and publication of The Debt Resisters’ Operations Manual, and the material support and organizational base for APPENDIX A: SAMPLE LETTERS TO CREDIT REPORTING AGENCIES Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix A: Sample Letters to Credit Reporting Agencies. This content is slightly modified from Carreon and Associates.See Chapter One for information about credit reporting agencies. Request forDROM - STRIKE DEBT!
Debt Resistance for the 99%. Written by a network of activists, writers, and academics from Strike Debt, The Debt Resisters’ Operations Manual reveals how the predatory debt system works to increase inequality, undermine democracy, and ruin lives. It provides detailed strategies for fighting common forms of debt and lays out an expansive vision for a societal movement of debt resistance. APPENDIX C: SAMPLE LETTER TO COLLECTION AGENCIES REGARDING Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix C: Sample Letter to Collection Agencies Regarding (Alleged) Medical Debt This content is slightly modified from Carreon and Associates.See Chapter Three for information aboutmedical debt.
APPENDIX B: SAMPLE LETTERS TO CONSUMER REPORTING AGENCIES Introduction Debt Rules Everything Around Me Introduction Debt Rules Everything Around Me Appendix B: Sample Letters to Consumer Reporting Agencies for Checking Accounts All five sample letters have been modified from those made available on ChexSystems Victims.See Chapter One for information about consumer reporting agencies for checkingaccounts.
CHAPTER THREE
Chapter Four Student Debt: Foreclosing on the Future; Chapter Five Housing Debt: How the American Dream Became a Bait-and-Switch Nightmare; Chapter Six Tax Debt: The Certainty of Debt and Taxes; Chapter Seven Fringe Finance Transaction Products and Services: Making Bank on the Unbanked; Chapter Eight Fringe Finance Credit Products and Services: Credit for the PrecariatCHAPTER THIRTEEN
Chapter Twelve Municipal and State Debt: Crushing Debt from Above Chapter Fourteen Climate Debt: An Overdue Balance Chapter Thirteen National Debt: The Politics of Scarcity and Control What Is National Debt? In common parlance, when we discuss the national debt of modern nations, we are typically referring to the total amount of money still outstanding that the government has borrowed from anyCHAPTER TWELVE
Chapter Eleven Strategies for Survival: Living on the Margins of the Debt System Chapter Thirteen National Debt: The Politics of Scarcity and Control Chapter Twelve Municipal and State Debt: Crushing Debt from Above. As we’ve seen in previous chapters, our CLOUDY WITH A CHANCE OF RADICALISM: HOW BROKEN CHAIN OF In an earlier post on this website, we told the story of Richmond, California, a small city with big plans to end its foreclosure crisis via a novel use of eminent domain.If successful, this plan could set a nationwide precedent, and Strike Debt Bay Area (@StrikedebtBA), among other groups, is fighting to push it through, against pressure from big banks and big government alike.ROLLING JUBILEE
Debt Resistance for the 99%. Strike Debt has just abolished $13.5 million in medical debt!STRIKE DEBT!
Strike Debt is a decentralized network of debt resisters, including activists, artists, and organizers. Started in New York City in 2012, Strike Debt has achieved much since its origin: the creation of anti-debt organizations around the US, the writing and publication of The Debt Resisters’ Operations Manual, and the material support and organizational base forINTRODUCTION
Glossary Chapter One Credit Scores and Consumer Reporting Agencies: Surveillance and the Vicious Cycle of Debt Introduction Debt Rules Everything Around Me. Everyone is affected by debt, from people taking out payday loans at 400% interest to cover basic living costs, to recent graduates paying hundreds of dollars in interest on their students loans every month, to working families bankruptedCHAPTER THIRTEEN
Chapter Twelve Municipal and State Debt: Crushing Debt from Above Chapter Fourteen Climate Debt: An Overdue Balance Chapter Thirteen National Debt: The Politics of Scarcity and Control What Is National Debt? In common parlance, when we discuss the national debt of modern nations, we are typically referring to the total amount of money still outstanding that the government has borrowed from any CLOUDY WITH A CHANCE OF RADICALISM: HOW BROKEN CHAIN OF In an earlier post on this website, we told the story of Richmond, California, a small city with big plans to end its foreclosure crisis via a novel use of eminent domain.If successful, this plan could set a nationwide precedent, and Strike Debt Bay Area (@StrikedebtBA), among other groups, is fighting to push it through, against pressure from big banks and big government alike. GLOSSARY - STRIKE DEBT! Chapter Fifteen Prospects for Change: Join the Resistance! Introduction Debt Rules Everything Around Me Glossary Accounts receivable management (ARM) A term used by insiders to describe the debt collection industry. Active transportation DEATH BY FOR-PROFIT HEALTH CARE Debt Resistance for the 99%. Executive Summary. This report is part of an ongoing effort by a group of health care practitioners, lawyers, researchers, and activists to expose the disastrous impact of medical debt and for-profit health care on families and individuals in theUnited States.
CHAPTER SEVEN
Chapter Six Tax Debt: The Certainty of Debt and Taxes Chapter Eight Fringe Finance Credit Products and Services: Credit for the Precariat Chapter Seven Fringe Finance Transaction Products and Services: Making Bank on the Unbanked As James Baldwin once said, “Anyone who has ever struggled with poverty knows how extremely expensive it is to bepoor.”
ROLLING JUBILEE STUDENT DEBT BUY Strike Debt’s Rolling Jubilee project has abolished almost $4 million in private student debt for a little over $100,000. These debts were held by students who attended Everest College, a predatory for-profit institution in the Corinthian Colleges network. COMMONLY ASKED QUESTIONS: AREN’T THE DEBTS YOU BUY [We get a lot of questions by email, and we do our best to respond to each and every one personally. Though we have a short FAQ on the Rolling Jubilee website, many questions deserve more in-depth responses.We’ve decided to post longer answers to some of the more common questions on this blog, in a regular feature titled ‘Commonlyasked questions’.
ROLLING JUBILEE
Debt Resistance for the 99%. Strike Debt has just abolished $13.5 million in medical debt!* Get Involved
* Current Initiatives* Blog
* More Info
YOU ARE NOT A LOAN.
Strike Debt is a nationwide movement of debt resisters fighting for economic justice and democratic freedom. Debt is a tie that binds the 99%. With stagnant wages, systemic unemployment, and public service cuts, we are forced to go into debt for the basic things in life — and thus surrender our futures to the banks. Debt is major source of profit and power for Wall Street that works to keep us isolated, ashamed, and afraid. Using direct action, research, education, and the arts, we are coming together to challenge this illegitimate system while imagining and creating alternatives. We want an economy in which our debts are to our friends, families, and communities — and not to the 1%.AVAILABLE NOW
THE DEBT RESISTERS’ OPERATIONS MANUAL _AVAILABLE IN PRINT AND ON THE WEB _BLOG
IS STRIKE DEBT STILL ACTIVE? Strike Debt is a decentralized network of debt resisters, including activists, artists, and organizers. Started in New York City in 2012, Strike Debt has achieved much since its origin: the creation of anti-debt organizations around the US, the writing and publication of The Debt Resisters’ Operations Manual, and the material support and organizational base for …Read More →
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* Is Strike Debt still active? * All Our Grievances Are Connected * Department of Education Announces Sale of 56 Corinthian Campuses, Solidifies Its Support of Criminal For-Profit Colleges Instead ofDefrauded Students
* Rolling Jubilee Student Debt Buy * Coming on September 17 – Rolling Jubilee Debt Buy #4See all posts →
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