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    So I wasn’t surprised when I read the announcement this week by Illinois Attorney General Lisa Madigan warning Illinois residents to “be on the alert for scam artists posing as collectors of payday loan debt.

    The scammers call consumers and threaten them with legal action unless the victims authorize payments from their bank accounts.” Her office has received numerous complaints.

    Just to be clear, these are not collectors trying to collect legitimate debts.

    Most of the complaints on our forums, and to the IL AG involve consumers who either never took out a payday loan, or who may have initiated one but never actually secured the loan.

    Burton goes on to mention that some of the most influential and inspirational people have dealt with depression such as, Abraham Lincoln and Winston Churchill.

    you’ll likely be presented with two options: Cristal (a watery, government-owned light lager) or Bucanero (a watery, government-owned dark lager).

    (Warning, though, there are cases where consumers are jailed in connection with debts because they failed to appear in court after a summons was issued.) The Illinois Attorney General’s office says the bogus debt collectors they’ve heard about use a variety of names, including: Morgan & Associates, Federal Bureau of Investigators, DNR Recovery, DNI Recovery, Legal Accounts Association, Department of Law and Enforcement, Cash Net USA, America Legal Services, Quick Cash, and ACS.

    If you hear from any of those companies, be sure to report them immediately to your state Attorney General’s office and the Federal Trade Commission. Learn about your debt collection rights and how to protect yourself.

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    If you’re concerned about how your debt could be impacting your credit, you can check your three credit reports for free once a year.

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    One characteristic of a person dealing with depression is that they are keenly aware of themselves, their thoughts, their feelings and the behavior of others towards them.

    The weight that depression can bring upon a person is enough to bury them for a day – the burying of those around them is not on the to-do list.

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