We must all come together to find a solution.
A new report by the Urban Institute and Encore Capital Group's Consumer Credit Research Institute shows 77 million Americans -- 35 percent of those with files at a major credit bureau -- have a debt in collection. But as you can expect, there is always someone profiting from poverty.
Governor Pat Quinn's administration is poised to launch a vast and expensive modernization of state government's financial wiring and work processes that will revolutionize operations and likely displace ossified workers, upend encrusted work habits, and mothball-rusted file cabinets.
If you have a business and you're considering offering gift cards, it can be a great way to drive additional sales -- especially