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Maxed Out: Hard Times, Easy Credit & the Era of Predatory Lenders (2006)

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General Complete name: Maxed Out - Hard Times Easy Credit and the Era of Predatory Lenders.2006.avi Format: AVI Format/Info: Audio Video Interleave File size: 498 MiB Duration: 1h 26mn Overall bit rate: 800 Kbps Writing application: transcode-1.1.7 Video Format: MPEG-4 Visual Format profile: Advanced Simple@L5 Format settings, BVOP: 1 Format settings, QPel: No Format settings, GMC: No warppoints Format settings, Matrix: Default (H.263) Codec ID: XVID Codec ID/Hint: XviD Duration: 1h 26mn Bit rate: 660 Kbps Width: 640 pixels Height: 352 pixels Display aspect ratio: 16:9 Frame rate: 29.970 fps Color space: YUV Chroma subsampling: 4:2:0 Bit depth: 8 bits Scan type: Progressive Compression mode: Lossy Bits/(Pixel*Frame): 0.098 Stream size: 411 MiB (83%) Writing library: XviD 64 Audio Format: MPEG Audio Format version: Version 1 Format profile: Layer 3 Mode: Joint stereo Mode extension: MS Stereo Codec ID: 55 Codec ID/Hint: MP3 Duration: 1h 26mn Bit rate mode: Constant Bit rate: 128 Kbps Channel(s): 2 channels Sampling rate: 48.0 KHz Compression mode: Lossy Stream size: 79.6 MiB (16%) Alignment: Split accross interleaves Interleave, duration: 33 ms (1.00 video frame) Writing library: LAME3.99.5

Maxed Out: Hard Times, Easy Credit & the Era of Predatory Lenders (2006)

This is a great film to watch, especially now in 2014. It names all the big banks and how they lured people into easy credit, years before the crash of 2008. We now know these crooks engineered the whole thing so they would profit at every stage of the catastrophe they created.

This is a custom ConCen stiffy rip direct from the DVD. It's 86 minutes long but only 500MB so it's easy on the bandwidth.


When Hurricane Katrina ravaged America's Gulf Coast, it laid bare an uncomfortable reality-America is not only far from the world's wealthiest nation; it is crumbling beneath a staggering burden of individual and government debt. Maxed Out takes us on a journey deep inside the American debt-style, where everything seems okay as long as the minimum monthly payment arrives on time.

Sure, most of us may have that sinking feeling that something isn't quite right, but we're told not to worry. After all, there's always more credit! Maxed Out shows how the modern financial industry really works, explains the true definition of "preferred customer" and tells us why the poor are getting poorer and the rich getting richer.

By turns hilarious and profoundly disturbing, Maxed Out paints a picture of a national nightmare which is all too real for most of us.

Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders (2006) is an independent feature-length documentary film and (2007) book that chronicles abusive practices in the credit card industry. Written and directed by James Scurlock, the film and book use interviews with creditors, debtors, academics, and others to illustrate its story. The film premiered at the South by Southwest Film Festival in Austin, Texas, USA, in 2006 where it claimed the Special Jury Prize. It went on to several film fests including Seattle, Full Frame Documentary, Maui, New Zealand, Milwaukee International, Woodstock, Bergen, Leeds International, Oxford and IDFA (Amsterdam) film festivals. It was released in movie theatres in select cities in the United States in March 2007 through Magnolia Pictures. The DVD was released nationally in June 7, 2007, in the joint effort Magnolia Pictures and Red Envelope Entertainment (a division of Netflix). The book Maxed Out is published by Scribner, a division of Simon and Schuster. It was published in March 2007 in hard-cover and in December 2007 in paperback.

Scurlock's purpose for the film and book was to raise awareness of how credit and lending issues are affecting society. The main premises of the documentary and book are that banks and other creditors deliberately market to people who are more likely to have problems paying predatory lending and that the creditors benefit from connections to government, the debt collection industry, and from lawmaker apathy.


This is an oldie but a goody. If we knew in 2006 just how slimy banks would become by 2017, there would have been riots in the streets. Or would there?