i'm nomi prins. i'm here today with jake halpern, the author of a fascinating and horrifying new book "ba "bad paper: chasing dt from wall street to the underworld." cheka, welcome. >> guest: thanks for having me. >> host: this book is incredible. and so was your story. i think the to really mirror each other. this takes place in buffalo, new york, a lot of it. you're from there, argue? >> guest: that's right. i grew up there. like that and his wife still live there. i go back there fairly often and so i find my way in this world. >> host: you talk about a particular, many unsavory characters that are scrambling to make their own peace of the world and often have prison records and have been drug dealers and so forth. there's a fellow named jimmy that comes out here that seems to be one of the main characters of this nonfiction story. to to talk to me about how you connected with him? >> guest: the way this got started was, i talked my mom years back and she told me she was hounded by debt collector.