Debt Resisters Operations Manual

Over the last thirty years, as wages have stagnated across the country, average household debt has more than doubled. Increasingly, we are forced to take on debt to meet our needs—from housing, to education, to medical care. The results—wrecked lives, devastated communities, and an increasing reliance on credit to maintain our basic living standards—reveal an economic system that enriches the few at the expense of the many. The Debt Resisters’ Operations Manual is a handbook for debtors everywhere to understand how this system really works, while providing practical tools for fighting debt in its most exploitative forms. Inside, you’ll find detailed strategies, resources, and insider tips for dealing with some of the most common kinds of debt, including credit card debt, medical debt, student debt, and housing debt. The book also contains tactics for navigating the pitfalls of personal bankruptcy, and information to help protect yourself from credit reporting agencies, debt collectors, payday lenders, check cashing outlets, rent-to-own stores, and more. Written and edited by a network of activists, writers, and academics from Occupy Wall Street, additional chapters cover tax debt, sovereign debt, the relationship between debt and climate, and an expanded vision for a movement of mass debt resistance.

For debtors everywhere who want to understand how the system really works, this handbook provides practical tools for fighting debt in its most exploitative forms. Over the last 30 years as wages have stagnated across the country, average household debt has more than doubled. Increasingly, people are forced to take on debt to meet their needs; from housing to education and medical care. The results--wrecked lives, devastated communities, and an increasing reliance on credit to maintain basic living standards--reveal an economic system that enriches the few at the expense of the many. Detailed strategies, resources, and insider tips for dealing with some of the most common kinds of debt are covered in this manual, including credit card debt, medical debt, student debt, and housing debt. It also contains tactics for navigating the pitfalls of personal bankruptcy, as well as information on how to be protected from credit reporting agencies, debt collectors, payday lenders, check-cashing outlets, rent-to-own stores, and more. Additional chapters cover tax debt, sovereign debt, the relationship between debt and climate, and an expanded vision for a movement of mass debt resistance.

Over the last 30 years, wages have stagnated and average household debt has more than doubled. People are forced to take on debt to meet their everyday needs like housing and education, leading to devastated communities and an increasing reliance on credit to maintain basic living standards. This system enriches the lives of few at the expense of many. The Debt Resisters' Operations Manual is a handbook for debtors everywhere to understand how the debt system really works, while providing practical tools for fighting debt in its most exploitative forms.

Silvia Federici is one of the most important contemporary theorists of capitalism and feminist movements. In this collection of her work spanning over twenty years, she provides a detailed history and critique of the politics of the commons from a feminist perspective. In her clear and combative voice, Federici provides readers with an analysis of some of the key issues and debates in contemporary thinking on this subject. Drawing on rich historical research, she maps the connections between the previous forms of enclosure that occurred with the birth of capitalism and the destruction of the commons and the “new enclosures” at the heart of the present phase of global capitalist accumulation. Considering the commons from a feminist perspective, this collection centers on women and reproductive work as crucial to both our economic survival and the construction of a world free from the hierarchies and divisions capital has planted in the body of the world proletariat. Federici is clear that the commons should not be understood as happy islands in a sea of exploitative relations but rather autonomous spaces from which to challenge the existing capitalist organization of life and labor.

FEATURED IN THE NEW YORKER: The Faces of Americans Living in Debt Finalist for the Dorothea Lange/Paul Taylor Prize in Documentary. Featured on Politico, in the Washington Post, the Daily Mail, and the Huffington Post, USA Today, Business Insider, Refinery29, and Fast Company. Based on the popular online photo series and now published in print for the first time, The Debt Project collects 99 portraits of debt across the United States, featuring people of all different backgrounds and stories, to recontextualize an often stigmatized experience. In 2013, Brittany Powell made the difficult decision to file for bankruptcy for her photography business. In the years following the 2008 economic collapse, she found herself in a significant amount of debt, a position many Americans across the country still share, a common yet isolating and private experience often steeped in shame. Her personal experience, bolstered by the We Are the 99% slogan that came out of the Occupy movement, brought her to start The Debt Project, an exploration of the role debt and finance plays in our personal identity and social structure. This book presents an intimate look into 99 different lives: each shares an arrestingly honest portrait in the person’s home, surrounded by all their belongings, accompanied by a handwritten note of the amount of debt that person is in and the story behind the numbers. The Debt Project, with a foreword by writer and filmmaker Astra Taylor plus resources at the back of the book to support people in debt, examines the social and personal hold financial debt has on us and invites others into a private world, while at the same empowering people to share their stories and overcome the shame they may feel.

In this groundbreaking study of the financial meltdown, renowned radical political economists lay bare the roots of the crisis in the inner logic of capitalism itself. Objective and detailed, this account provocatively challenges the call for a return to a largely mythical golden age of economic regulation as a check on finance capital. In addition, it deftly illuminates how the era of neoliberal free markets has been, in practice, under-girded by state intervention on a massive scale. Arguing for genuinely transformative alternatives to capitalism, and discussing how to build the collective capacity to realize these goals, this record is a critique of the crisis and an indispensable springboard for a renewed political left.

Karl Marx remarked that the only way to write about the origins of capitalism is in the letters of blood and fire used to drive workers from the common lands, forests, and waters in the sixteenth century. In this collection of essays, George Caffentzis argues that the same is true for the annals of twenty-first-century capitalism. Information technology, immaterial production, financialization, and globalization have been trumpeted as inaugurating a new phase of capitalism that puts it beyond its violent origins. Instead of being a period of major social and economic novelty, however, the course of recent decades has been a return to the fire and blood of struggles at the advent of capitalism. Emphasizing class struggles that have proliferated across the social body of global capitalism, Caffentzis shows how a wide range of conflicts and antagonisms in the labor-capital relation express themselves within and against the work process. These struggles are so central to the dynamic of the system that even the most sophisticated machines cannot liberate capitalism from class struggle and the need for labor. Themes of war and crisis permeate the text and are given singular emphasis, documenting the peculiar way in which capital perpetuates violence and proliferates misery on a world scale. This collection draws upon a careful rereading of Marx’s thought in order to elucidate political concerns of the day. Originally written to contribute to the debates of the anticapitalist movement over the last thirty years, this book makes Caffentzis’s writings readily available as tools for the struggle in this period of transition to a common future.

Over the past decade, Canada has experienced considerable growth in labour migration. Moreover, temporary labour migration has replaced permanent immigration as the primary means by which people enter Canada. Utilizing the rhetoric of maintaining competitiveness, Canadian employers and the state have ushered in an era of neoliberal migration alongside an agenda of austerity flowing from capitalist crisis. Labour markets have been restructured to render labour more flexible and precarious, and in Canada as in other high-income capitalist labour markets, employers are relying on migrant and immigrant workers as “unfree labour.” This book explores labour migration to Canada and how public policies of temporary and guest worker programs function in the global context of work and capitalist restructuring. Contributors are directly engaged with the issues emerging from the influx of temporary foreign workers and Canada’s “creeping economic apartheid”—the ongoing racialization of economic inequality for many workers of colour. The collection also examines how migrant and immigrant workers have organized for justice and dignity in Canada. As opposed to a good deal of current writing that often ignores the working conditions and struggles of racialized migrant and immigrant workers, the authors contend that migrant workers, labour organizations, and migrant worker allies have engaged in a wide range of organizing initiatives with significant political and economic impacts. These have included both court challenges to secure legal rights to unionization and grassroots alternatives to traditional forms of unionization through workers’ centres. Contributors include Aziz Choudry, Adrian A. Smith, Sedef Arat-Koç, Abigail B. Bakan, Joey Calugay, Jennifer Jihye Chun, Jill Hanley, Jah-Hon Koo, Mostafa Henaway, Deena Ladd, Marco Luciano, Loïc Malhaire, Adriana Paz Ramirez, Geraldina Polanco, Chris Ramsaroop, Eric Shragge, Sonia Singh, Christopher C. Sorio, and Mark Thomas.