The Subprimes : A Novel Paperback - 2016

In a future America that feels increasingly familiar, you are your credit score. Extreme wealth inequality has created a class of have-nothings: Subprimes. Their bad credit ratings have lost them jobs and make them unemployable. Jobless and without assets, they have walked out on mortgages, been foreclosed upon, or can no longer afford a fixed address. Fugitives who must keep moving to avoid arrest, they wander the globally warmed American wasteland searching for day labor and a place to park their battered SUVs for the night.

Karl Taro Greenfeld's trenchant satire follows the fortunes of two families whose lives reflect this new dog-eat-dog, survival-of-the-financially-fittest America. Desperate for work and food, a Californian Subprime family has been forced to migrate east, hoping for a better life. They are soon joined in their odyssey by a writer and his family--slightly better off but falling fast. Eventually they discover a small settlement of Subprimes who have begun an agrarian utopia built on a foreclosed exurb. Soon, though, the little stability they have is threatened when their land is targeted by job creators for shale-oil extraction.

But all is not lost. A hero emerges--a woman on a motorcycle--suspiciously lacking a credit score . . . who may just save the world.