In response to ever-increasing financial pressures, families have come to depend on high-cost credit as a way to bridge the gap between stagnant or decreasing incomes and rising costs. How are families coping with their new burden? To hang on to the American Dream, to be part of the ownership

In the final days of the 2006 campaign, as in any election year, citizen interest is peaking as election news--and debates on the issues--becomes more pervasive in the media. Unfortunately for America's voters, in all but eight states (one of which does not require voter registration) , if you are

Political candidates win elections by generating more votes than their opponents. A vigorous and superior get-out-the-vote campaign is commonly understood to be the key to success. A less recognized but all-too-familiar alternative tactic is to intimidate their opponents supporters and suppress

Representational Inequality: Bad for Democracy Economic inequality in America has been spiraling out of control in recent decades. The income gap between the rich and the poor in America has steadily increased since the early 20th century and is at its largest in 40 years. Unfortunately, this also

If elections are the foundation of our democracy, then poll workers are the gears and wheels that make the mechanics of democracy function on Election Day. Regrettably, this human factor is often overlooked and under-supported. States squeak by each year with a bare minimum of poll workers who

Felony disfranchisement is the practice of denying people with felony convictions the right to vote. The American tradition of states determining their own election laws has led to a national patchwork of policies and practices that result in de jure and de facto denial of the vote based on felony

A properly functioning democracy encourages all eligible citizens to participate in elections. Our nation's commitment to this goal has resulted in landmark laws to assure that access to voting is available to all, including persons with disabilities and U.S. citizens who may have limited

The 2000 election will be remembered as a national debacle in which millions of citizens were denied the right to vote and have that vote be properly counted. To remedy the problems of 2000, Congress passed the Help America Vote Act of 2002 (HAVA). One of HAVA's principal provisions required states

As a nation, we now face a serious threat to the very nature of our democracy, and the core American belief that wide electoral participation by as many eligible voters as possible is central to our prosperity and success. With salacious and often unfounded allegations of efforts to vote by non

Recent federal action, including the passage of the Credit Card Bill of Rights of 2009 and the creation of the Consumer Financial Protection Bureau, provided needed regulation and oversight of the credit card industry. However, past debt continues to haunt families even as they add on new debt. The