In Shortchanged , Howard Karger takes a hard look at how our "fringe econome" made uo of pawnshops, payday lenders, check cashers, creedit card companies and the like-entices vulnerable consumers into an economic netherworld of sky-hight interst rates and ever-increasing debt. Powerful analysis combined with moving personal stories shows how the fringe economy wrecks the lives of the working poor and thw middle class