Joe Deville

Consumer credit borrowing – using credit cards, store cards and personal loans – is an important and routine part of many of our lives. But what happens when these everyday forms of borrowing go ‘bad’, when people start to default on their loans and when they cannot, or will not, repay? It is this poorly understood, controversial, but central part of both the consumer credit industry and the lived experiences of an increasing number of people that this book explores. Drawing on research from the interior of the debt collections industry, as well as debtors' own accounts and historical research into technologies of lending and collection, it examines precisely how this ever more sophisticated, globally connected market functions. It focuses on the highly intimate techniques used to try and recoup defaulting debts from borrowers, as well as on the collection industry’s relationship with lenders. Joe Deville follows a journey of default, from debtors’ borrowing practices, to the intrusion of collections technologies into their homes and everyday lives, to the collections organisation, to attempts by debtors to seek outside help. In the process he shows how to understand this particular market, we need to understand the central role played within it by emotion and affect. By opening up for scrutiny an area of the economy which is often hidden from view, this book makes a major contribution both to understanding the relationship between emotion and calculation in markets and the role of consumer credit in our societies and economies. This book will be of interest to students, teachers and researchers in a range of fields, including sociology, anthropology, cultural studies, economics and social psychology.

Consumer Credit, Debt Collection and the Capture of Affect

Lived Economies of Default

Michael Guggenheim

Zuzana Hrdli Kova

This book compares things, objects, concepts, and ideas. It is also about the practical acts of doing comparison. Comparison is not something that exists in the world, but a particular kind of activity. Agents of various kinds compare by placing things next to one another, by using software programs and other tools, and by simply looking in certain ways. Comparing like this is an everyday practice. But in the social sciences, comparing often becomes more burdensome, more complex, and more questions are asked of it. How, then, do social scientists compare? What role do funders, their tools, and databases play in social scientific comparisons? Which sorts of objects do they choose to compare and how do they decide which comparisons are meaningful? Doing comparison in the social sciences, it emerges, is a practice weighed down by a history in which comparison was seen as problematic. As it plays out in the present, this history encounters a range of other agents also involved in doing comparison who may challenge the comparisons of social scientists themselves. This book introduces these questions through a varied range of reports, auto-ethnographies, and theoretical interventions that compare and analyse these different and often intersecting comparisons. Its goal is to begin a move away from the critique of comparison and towards a better comparative practice, guided not by abstract principles, but a deeper understanding of the challenges of practising comparison.

Joe Deville

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