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Abuse by Credit: The Problem of Coerced Debt in Texas

A report by Texas Appleseed Introduction One in three adult Texans has experienced domestic violence in their lifetime.1 In 2016, Texas family violence programs received 172,573 hotline calls, and in the following year, 136 Texas women were killed by intimate partners.2 Though domestic violence is commonly characterized by physical and emotional abuse, economic abuse has…

Out of Alignment

Overview of Study Findings Female motorists in Texas with perfect driving records often pay significantly more for auto insurance than male motorists with identical driving records and other characteristics that insurers use to price auto insurance, according to Texas Appleseed’s research. Testing also found companies use added pricing penalties based on marital status, with unmarried…

Collateral Consequences

Introduction In the fall of 2006, 10-year-old Casey Harmeier was clowning around with friends in the hallway at school when he was dared to pull the plastic cover off of a fire alarm.  When he did so and an alarm sounded, he was arrested and taken to juvenile detention. His father, who worked for the…

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