Perfect for fans of Portia MacIntosh, Mhairi McFarlane and Catherine Walsh.Madison reckons she's a pretty good judge of character. When a disaster at work brings professional photographer Toby into her life, she has him all worked out within minutes. As their work collaboration blossoms into friendship, her preconceptions about him are only strengthened. The problem is that Madison has got one aspect of Toby completely wrong, and it tears their friendship apart when she finds out. How will she make sense of his revelation and, more importantly, how on earth will she get him to talk to her again?

Publisher's Weekly Top 10 Fall Release in Business and Economics A consumer credit industry insider-turned-outsider explains how banks lure Americans deep into debt, and how to break the cycle. Delinquent takes readers on a journey from Capital One's headquarters to street corners in Detroit, kitchen tables in Sacramento, and other places where debt affects people's everyday lives. Uncovering the true costs of consumer credit to American families in addition to the benefits, investigative journalist Elena Botella-formerly an industry insider who helped set credit policy at Capital One-reveals the underhanded and often predatory ways that banks induce American borrowers into debt they can't pay back. Combining Botella's insights from the banking industry, quantitative data, and research findings as well as personal stories from interviews with indebted families around the country, Delinquent provides a relatable and humane entry into understanding debt. Botella exposes the ways that bank marketing, product design, and customer management strategies exploit our common weaknesses and fantasies in how we think about money, and she also demonstrates why competition between banks has failed to make life better for Americans in debt. Delinquent asks: How can we make credit available to those who need it, responsibly and without causing harm? Looking to the future, Botella presents a thorough and incisive plan for reckoning with and reforming the industry.