i'm naomi prins, here with the author of the fascinating and horrifying new book "bad paper: chasing debt from wall street to the underworld." jake, welcome. >> guest: thank you for having me. >> host: this book is incredible, and so is your story. and i think that to the two really mirror each other this tapes in buffalo, new york, and a lot of it and, you're from there. >> guest: that's right. i grew up there and midas and his wife still live there. guy back fairly often and that's how i find my way into this world. >> host: talk about a particular -- many unsavory characters that are scrabbling to make their own piece of the world and often have prison records and have been drug dealers and so forth. that's a fellow named jimmy that comes out here that seems to be one of the main characters of this nonfiction story. can you talk about how you connected with him? >> guest: i talked to my mom and she was being hounded bay debt collector she says i don't owe the money he says i owe, but i think i'm going to pay him so he'll stop harassing me, which i mom is no lilting willy, and i th