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<book id="200826">
  <title><![CDATA[Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders]]></title>
  <isbn><![CDATA[141653251X]]></isbn>
  <isbn13><![CDATA[9781416532514]]></isbn13>
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  <default_description>Foreclosures are hitting record highs; Americans are declaring bankruptcy at rates ten times that during the great Depression; more college students drop out because of debts than due to poor grades; reports of debtor suicides proliferate in the media. In other words, it's a great time to be in the banking business.&lt;P&gt;&lt;P&gt;&lt;I&gt;Maxed Out&lt;/i&gt; takes us on a road trip that is sometimes hysterical and often horrifying: from Las Vegas to the Bible Belt, from the backwoods to inner cities, where the world's largest financial giants troll for their next victims. Welcome to a country populated by debt pirates, corporate predators, human credit card billboards, debt evangelists, megamillion-dollar spec homes, and, of course, trillions of dollars of easy credit.&lt;P&gt;&lt;P&gt;Combining startling facts with even more startling examinations of individuals, institutions, the government, and modern religion, James Scurlock separates the myths (there is &quot;good debt&quot; and &quot;bad debt&quot;) from the harsh reality (corporations partner with colleges to target today's youth; credit reports are riddled with errors that will never be fixed; and death, for many of those in trouble, is the only way out).&lt;P&gt;&lt;P&gt;At a time when the financial industry posts ever-higher profits even as its clients drown in the flood of easy credit, Scurlock exposes very real, potentially disastrous systems and policies that are consuming millions of Americans. &lt;I&gt;Maxed Out&lt;/i&gt; takes readers on a wickedly smart and entertaining tour of what one interviewee calls &quot;the last taboo.&quot;&lt;P&gt;&lt;P&gt;</default_description>
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  <original_publication_day type="integer">6</original_publication_day>
  <original_publication_month type="integer">3</original_publication_month>
  <original_publication_year type="integer">2007</original_publication_year>
  <original_title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</original_title>
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  <average_rating><![CDATA[3.79]]></average_rating>
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  <authors>
        <author id="117149">
      <name><![CDATA[James D. Scurlock]]></name>
      <role><![CDATA[]]></role>
      <url><![CDATA[http://www.goodreads.com/author/show/117149.James_D_Scurlock]]></url>
      <average_rating><![CDATA[3.77]]></average_rating>
      <ratings_count><![CDATA[104]]></ratings_count>
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    <review id="3869121">
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    <name><![CDATA[Sabiel]]></name>
    <location><![CDATA[Cortlandt Manor, NY]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/126125-sabiel]]></url>
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  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
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    <rating>4</rating>
  <votes>3</votes>
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  <recommended_for><![CDATA[anyone with a credit card (i.e. 93% of Americans)]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Wed Aug 01 00:00:00 -0700 2007</read_at>
  <date_added>Tue Jul 31 15:14:08 -0700 2007</date_added>
  <date_updated>Sat Sep 01 10:36:37 -0700 2007</date_updated>
  <read_count></read_count>
    <body><![CDATA[Scurlock starts at the beginning. Apparently the guy who invented the first plastic crackpipe (aka credit card) was like, a total genius who wanted to make the world a better place by inventing a new currency, i.e. credit. This would therefore make us more efficient human beings by simplifying trans...<a href="http://www.goodreads.com/review/show/3869121">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/3869121]]></url>
</review>
    <review id="551250">
    <user id="48066">
    <name><![CDATA[Chazz]]></name>
    <location><![CDATA[Chicago, IL]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/48066-chazz]]></url>
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  <ratings_count type="integer">97</ratings_count>
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  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
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</book>

    <rating>4</rating>
  <votes>2</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
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  <read_at></read_at>
  <date_added>Tue Apr 03 11:55:03 -0700 2007</date_added>
  <date_updated>Tue Apr 03 11:55:26 -0700 2007</date_updated>
  <read_count></read_count>
    <body><![CDATA[Maxed Out, by James D. Scurlock - 3 and ½ stars; even though the book contains much that is predictable, it still spins its tales in a fascinating way. One example is the tale of Yolanda, an illegal immigrant from Mexico who makes about $20,000/year by digging recyclables from trash bins at night; ...<a href="http://www.goodreads.com/review/show/551250">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/551250]]></url>
</review>
    <review id="4295496">
    <user id="48646">
    <name><![CDATA[Melissa]]></name>
    <location><![CDATA[Norristown, PA]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/48646-melissa-balick]]></url>
    <image><![CDATA[http://photo.goodreads.com/users/1183076490p3/48646.jpg]]></image>
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    <book>
  <id type="integer">200826</id>
  <isbn>141653251X</isbn>
  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>4</rating>
  <votes>1</votes>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Wed Aug 01 00:00:00 -0700 2007</read_at>
  <date_added>Wed Aug 08 22:34:01 -0700 2007</date_added>
  <date_updated>Mon Aug 13 21:35:38 -0700 2007</date_updated>
  <read_count></read_count>
    <body><![CDATA[Why has the cost of living skyrocketed while wages have stayed the same?  Two words: easy credit.  It's driven the cost of everything up while driving the world into debt.  This cannot go on much longer.  Something's gonna give.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/4295496]]></url>
</review>
    <review id="22891933">
    <user id="1153183">
    <name><![CDATA[Eboni]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1153183-eboni]]></url>
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  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>5</rating>
  <votes>2</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Sun Jan 01 00:00:00 -0800 2006</read_at>
  <date_added>Sat May 24 17:46:01 -0700 2008</date_added>
  <date_updated>Sat May 24 18:22:15 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[After reading this book you will understand the deceptive, tragic, and even illegal methods banks use to take your hard earned money. ]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/22891933]]></url>
</review>
    <review id="51575172">
    <user id="2078477">
    <name><![CDATA[Anita]]></name>
    <location><![CDATA[Denver, CO]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/2078477-anita]]></url>
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    <book>
  <id type="integer">200826</id>
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  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>4</rating>
  <votes>2</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Wed Aug 01 00:00:00 -0700 2007</read_at>
  <date_added>Sun Apr 05 08:54:13 -0700 2009</date_added>
  <date_updated>Sun Apr 05 08:54:33 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Good expose of the evolution of credit/debt and the institutions who specialize in &quot;lending&quot; but for the sole purpose of profit for the banks, credit card, and collection entities.  Illustrates tactics used to prey on the least educated and most vulnerable.  Shows how consumer protection l...<a href="http://www.goodreads.com/review/show/51575172">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/51575172]]></url>
</review>
    <review id="32299201">
    <user id="1020875">
    <name><![CDATA[Sally]]></name>
    <location><![CDATA[Chicago, IL]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1020875-sally]]></url>
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    <book>
  <id type="integer">200826</id>
  <isbn>141653251X</isbn>
  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>3</rating>
  <votes>1</votes>
  <spoiler_flag>false</spoiler_flag>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at></read_at>
  <date_added>Sun Sep 07 19:41:35 -0700 2008</date_added>
  <date_updated>Sun Sep 07 19:45:56 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[This book is the companion piece to the film, Maxed Out.  It's full of data that is chilling and prescient of our current economic chaos. This is an interview related to the film. <br/><br/>No credit cards were used when making this film<br/><br/>By Sally Duros<br/>Chicago Sun-Times Real Estate Edit...<a href="http://www.goodreads.com/review/show/32299201">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/32299201]]></url>
</review>
    <review id="18873728">
    <user id="1015045">
    <name><![CDATA[Nola]]></name>
    <location><![CDATA[Pottsville, PA]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1015045-nola]]></url>
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  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>4</rating>
  <votes>1</votes>
  <spoiler_flag>false</spoiler_flag>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[Dave Ramsey]]></recommended_by>
  <read_at>Fri Mar 28 00:00:00 -0700 2008</read_at>
  <date_added>Fri Mar 28 14:56:35 -0700 2008</date_added>
  <date_updated>Fri May 16 18:06:47 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[As I read...surprisingly, this is a page-turner! I started it before bed thinking it would help me go to sleep and stayed up past midnight, finally forcing myself to put it down. I was shocked! That doesn't usually happen to me with nonfiction.<br/><br/>Finished review:<br/>	Although I usually tr...<a href="http://www.goodreads.com/review/show/18873728">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/18873728]]></url>
</review>
    <review id="9101233">
    <user id="620123">
    <name><![CDATA[Brian]]></name>
    <location><![CDATA[Vienna, VA]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/620123-brian]]></url>
    <image><![CDATA[http://www.goodreads.com/images/nophoto-M-111x148.jpg]]></image>
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    <book>
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  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>5</rating>
  <votes>1</votes>
  <spoiler_flag>false</spoiler_flag>
  <shelves>
      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Sat Sep 01 00:00:00 -0700 2007</read_at>
  <date_added>Wed Nov 14 08:40:19 -0800 2007</date_added>
  <date_updated>Wed Nov 14 08:40:19 -0800 2007</date_updated>
  <read_count></read_count>
    <body><![CDATA[By now, everyone should know about the perils of easy credit and the promises that your home's value will always go up. But James Scurlock saw this coming before many of us did, and warned about it in his documentary and book. The book provides a brief but damning history of how credit came to domin...<a href="http://www.goodreads.com/review/show/9101233">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/9101233]]></url>
</review>
    <review id="1592105">
    <user id="87259">
    <name><![CDATA[Sara]]></name>
    <location><![CDATA[Midlothian, IL]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/87259-sara]]></url>
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    <book>
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  <isbn13>9781416532514</isbn13>
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  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>3</rating>
  <votes>1</votes>
  <spoiler_flag>false</spoiler_flag>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Sat Sep 01 00:00:00 -0700 2007</read_at>
  <date_added>Fri Jun 01 14:17:12 -0700 2007</date_added>
  <date_updated>Tue Sep 04 11:20:16 -0700 2007</date_updated>
  <read_count></read_count>
    <body><![CDATA[I had been looking forward to reading this after hearing a bit about it from an online &quot;no more debt&quot; forum but I have to say, I'm a bit underwhelmed. While I completely agree with the author that credit is way too easy to get today, and that banks and financial institutions have really bl...<a href="http://www.goodreads.com/review/show/1592105">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/1592105]]></url>
</review>
    <review id="35848940">
    <user id="1536733">
    <name><![CDATA[Sarah]]></name>
    <location><![CDATA[Alexandria, VA]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1536733-sarah]]></url>
    <image><![CDATA[http://photo.goodreads.com/users/1222901745p3/1536733.jpg]]></image>
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    <book>
  <id type="integer">200826</id>
  <isbn>141653251X</isbn>
  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>4</rating>
  <votes>0</votes>
  <spoiler_flag>false</spoiler_flag>
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  <recommended_for><![CDATA[]]></recommended_for>
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  <read_at></read_at>
  <date_added>Tue Oct 21 08:58:51 -0700 2008</date_added>
  <date_updated>Tue Oct 21 09:02:33 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[I did this one in a reverse order from what I normally do: I saw the movie first. HOWEVER, this is one of those times when I advocate seeing both the movie AND reading the book rather than choosing one over the other. Both are extremely accessible, both are incredibly relevant, and both will make yo...<a href="http://www.goodreads.com/review/show/35848940">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/35848940]]></url>
</review>
    <review id="39106671">
    <user id="1029027">
    <name><![CDATA[Quinten]]></name>
    <location><![CDATA[Somerville, MA]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1029027-quinten]]></url>
    <image><![CDATA[http://www.goodreads.com/images/nophoto-U-111x148.jpg]]></image>
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  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>2</rating>
  <votes>0</votes>
  <spoiler_flag>false</spoiler_flag>
  <shelves>
      </shelves>
  <recommended_for><![CDATA[Avoid it--maybe watch the movie?]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Mon Dec 01 00:00:00 -0800 2008</read_at>
  <date_added>Tue Dec 02 08:38:29 -0800 2008</date_added>
  <date_updated>Sat Dec 06 15:44:19 -0800 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[A half-baked summary of the movie-making process. Scurlock's analysis is cursory at best. I looked for insights, but instead this book can fairly be described as a screed. Even though I agree with his conclusions, I was looking for something with some more substance. Some of the personal stories tha...<a href="http://www.goodreads.com/review/show/39106671">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/39106671]]></url>
</review>
    <review id="49914004">
    <user id="1136587">
    <name><![CDATA[Nonie]]></name>
    <location><![CDATA[Eugene, OR]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1136587-nonie]]></url>
    <image><![CDATA[http://photo.goodreads.com/users/1228237478p3/1136587.jpg]]></image>
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    <book>
  <id type="integer">200826</id>
  <isbn>141653251X</isbn>
  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>3</rating>
  <votes>0</votes>
  <spoiler_flag>false</spoiler_flag>
  <shelves>
      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Fri Mar 20 00:00:00 -0700 2009</read_at>
  <date_added>Fri Mar 20 18:23:15 -0700 2009</date_added>
  <date_updated>Fri Mar 20 18:27:48 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Published in early 2007, this story of the credit/mortgage meltdown in the US would not be so poignant if it had not been written before the event. Until the paradigm of US citizens gets off consumerism, we're in for a world of hurt and it could bring all of us down.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/49914004]]></url>
</review>
    <review id="56163518">
    <user id="749980">
    <name><![CDATA[leslie]]></name>
    <location><![CDATA[Lehi, UT]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/749980-leslie]]></url>
    <image><![CDATA[http://photo.goodreads.com/users/1226598188p3/749980.jpg]]></image>
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    <book>
  <id type="integer">200826</id>
  <isbn>141653251X</isbn>
  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>3</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Tue Jul 21 00:00:00 -0700 2009</read_at>
  <date_added>Fri May 15 07:00:34 -0700 2009</date_added>
  <date_updated>Tue Jul 21 13:31:28 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[At first I thought it was a great book talking about the credit problems.  But near the end he drifted into blaming the lenders (predatory lending) and basically indemnifying the borrowers.  Nobody forces anybody to get a credit card and charge stuff they can't afford.  I'm not saying the lending pr...<a href="http://www.goodreads.com/review/show/56163518">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/56163518]]></url>
</review>
    <review id="30941420">
    <user id="1449734">
    <name><![CDATA[Cris]]></name>
    <location><![CDATA[The United States]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1449734-cris]]></url>
    <image><![CDATA[http://photo.goodreads.com/users/1219448192p3/1449734.jpg]]></image>
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    <book>
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  <isbn>141653251X</isbn>
  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>3</rating>
  <votes>0</votes>
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  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Wed Apr 16 00:00:00 -0700 2008</read_at>
  <date_added>Fri Aug 22 17:34:23 -0700 2008</date_added>
  <date_updated>Fri Aug 22 17:35:45 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[There’s a fine line to straddle when writing about a complex subject for the general public. The subject must be broken down into understandable (preferably logical) parts without oversimplifying or ‘talking down’ to the readers. I’d say the author manages.<br/><br/><strong>Possible Read-A-Likes:</strong> ...<a href="http://www.goodreads.com/review/show/30941420">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/30941420]]></url>
</review>
    <review id="75775001">
    <user id="2782540">
    <name><![CDATA[Chris]]></name>
    <location><![CDATA[Hubert, NC]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/2782540-chris-ramsey]]></url>
    <image><![CDATA[http://www.goodreads.com/images/nophoto-U-111x148.jpg]]></image>
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    <book>
  <id type="integer">200826</id>
  <isbn>141653251X</isbn>
  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>4</rating>
  <votes>0</votes>
  <spoiler_flag>false</spoiler_flag>
  <shelves>
      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Sun Nov 22 00:00:00 -0800 2009</read_at>
  <date_added>Mon Oct 26 09:20:25 -0700 2009</date_added>
  <date_updated>Tue Nov 24 21:12:40 -0800 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Extrememly interesting, I also watched the documentary that made a great companion with this book, but is a little choppy without it. Highly recommend it to anyone, in fact, just mailed my copy to my sister, and insisted she read it as well. Found the opionion of presidential domestic policy concern...<a href="http://www.goodreads.com/review/show/75775001">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/75775001]]></url>
</review>
    <review id="61310228">
    <user id="1828995">
    <name><![CDATA[Falbs]]></name>
    <location><![CDATA[Denver, CO]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/1828995-falbs]]></url>
    <image><![CDATA[http://www.goodreads.com/images/nophoto-M-111x148.jpg]]></image>
  </user>
    <book>
  <id type="integer">200826</id>
  <isbn>141653251X</isbn>
  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>2</rating>
  <votes>0</votes>
  <spoiler_flag>false</spoiler_flag>
  <shelves>
      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Sat Jun 27 00:00:00 -0700 2009</read_at>
  <date_added>Sat Jun 27 13:23:54 -0700 2009</date_added>
  <date_updated>Sat Jun 27 13:24:37 -0700 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Not too bad for a screaming Republican ass, but didn't really learn anything new.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/61310228]]></url>
</review>
    <review id="80539979">
    <user id="2949697">
    <name><![CDATA[Jonny99]]></name>
    <location><![CDATA[Montvale, NJ]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/2949697-jonny99]]></url>
    <image><![CDATA[http://www.goodreads.com/images/nophoto-U-111x148.jpg]]></image>
  </user>
    <book>
  <id type="integer">200826</id>
  <isbn>141653251X</isbn>
  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>3</rating>
  <votes>0</votes>
  <spoiler_flag>false</spoiler_flag>
  <shelves>
      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Wed Jun 11 00:00:00 -0700 2008</read_at>
  <date_added>Thu Dec 10 09:30:37 -0800 2009</date_added>
  <date_updated>Thu Dec 10 09:30:52 -0800 2009</date_updated>
  <read_count></read_count>
    <body><![CDATA[Scurlock was right...unfortunately.]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/80539979]]></url>
</review>
    <review id="7355779">
    <user id="437019">
    <name><![CDATA[Lauri]]></name>
    <location><![CDATA[Seattle, WA]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/437019-lauri]]></url>
    <image><![CDATA[http://photo.goodreads.com/users/1226016665p3/437019.jpg]]></image>
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    <book>
  <id type="integer">200826</id>
  <isbn>141653251X</isbn>
  <isbn13>9781416532514</isbn13>
  <ratings_count type="integer">97</ratings_count>
  <text_reviews_count type="integer">35</text_reviews_count>
  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>3</rating>
  <votes>0</votes>
  <spoiler_flag>false</spoiler_flag>
  <shelves>
        <shelf name="finance" />
        <shelf name="own_it" />
      </shelves>
  <recommended_for><![CDATA[People with credit card debt and people who think that buying things on credit is a good idea]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Mon Oct 01 00:00:00 -0700 2007</read_at>
  <date_added>Sat Oct 06 15:59:21 -0700 2007</date_added>
  <date_updated>Fri Nov 02 05:56:28 -0700 2007</date_updated>
  <read_count></read_count>
    <body><![CDATA[I saw this movie at SIFF in 2006 and loved it. The director was present and I really enjoyed his comments &amp; perspective after the movie. I'm so glad that he wrote a book (2007) so that I can learn more. <br/><br/>The book was pretty good. There's a lot of good and enlightening info in here, but if...<a href="http://www.goodreads.com/review/show/7355779">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/7355779]]></url>
</review>
    <review id="19874616">
    <user id="791437">
    <name><![CDATA[Mary]]></name>
    <location><![CDATA[Valparaiso, IN]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/791437-mary]]></url>
    <image><![CDATA[http://photo.goodreads.com/users/1215874292p3/791437.jpg]]></image>
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  <ratings_count type="integer">97</ratings_count>
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  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>4</rating>
  <votes>0</votes>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at>Sun Apr 06 00:00:00 -0700 2008</read_at>
  <date_added>Thu Apr 10 11:21:04 -0700 2008</date_added>
  <date_updated>Thu Apr 10 11:25:57 -0700 2008</date_updated>
  <read_count></read_count>
    <body><![CDATA[Really good.  Explains how many Americans surf the wave of debt from introductory credit cards and first time mortgages to multiple cards with high limits and McMansions.  And how easily one can wipe out on debt.  Gives an interesting take on the role of debt and the depth of the crisis the American...<a href="http://www.goodreads.com/review/show/19874616">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/19874616]]></url>
</review>
    <review id="117836">
    <user id="5141">
    <name><![CDATA[Lola]]></name>
    <location><![CDATA[Denver, CO]]></location>        
    <url><![CDATA[http://www.goodreads.com/user/show/5141-lola]]></url>
    <image><![CDATA[http://photo.goodreads.com/users/1171665498p3/5141.jpg]]></image>
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  <title>Maxed Out: Hard Times, Easy Credit and the Era of Predatory Lenders</title>
  <average_rating>3.79</average_rating>
  <image_url>http://photo.goodreads.com/books/1172632412m/200826.jpg</image_url>
  <link>http://www.goodreads.com/book/show/200826.Maxed_Out_Hard_Times_Easy_Credit_and_the_Era_of_Predatory_Lenders</link>
</book>

    <rating>4</rating>
  <votes>0</votes>
  <spoiler_flag>false</spoiler_flag>
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      </shelves>
  <recommended_for><![CDATA[]]></recommended_for>
  <recommended_by><![CDATA[]]></recommended_by>
  <read_at></read_at>
  <date_added>Tue Feb 27 19:13:41 -0800 2007</date_added>
  <date_updated>Sun Mar 04 21:53:19 -0800 2007</date_updated>
  <read_count></read_count>
    <body><![CDATA[A very funny book so far. I'm on page 80 and I'm already very depressed. It's how I feel when I read books on the state of the environment: outraged and powerless. Though this one has the added bonus of making me want to deal in cash for the rest of my life.<br/><br/>Now that I'm finished with it,...<a href="http://www.goodreads.com/review/show/117836">more...</a>]]></body>
    <url><![CDATA[http://www.goodreads.com/review/show/117836]]></url>
</review>
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