April , 2019

New book urges women to say no to unavailable men Author reveals the grim side ...
Holiday Peace Concert a highlight of the season Global Voices Series finale a community gathering to cap ...
One of America’s original artists’ colonies honors its past, keeps the tradition alive   NASHVILLE, Ind. – ...
The Chicago visit of former Secretary of State Henry Kissinger tonight has prompted a ...
Baltimore, MD -- A grand jury has decided not to indict Officer Daniel Pantaleo ...
Veteran Women Igniting the Spirit of Entrepreneurship (V-WISE), operated by the Institute for Veterans and ...
Los Angeles, CA (BlackNews.com) —CVS Pharmacy and Educating Young Minds celebrated its Annual Holiday Celebration ...
Only 1.7% of SBA loans went to black entrepreneurs in 2013 Are Black Entrepreneurs being denied ...
  By Chinta Strausberg     Princeton University Professor Dr. Cornel West shakes up Saint Sabina with righteous truth ...
CHICAGO, IL – Cinema/Chicago and the Chicago International Film Festival are pleased to announce that ...

Archive for April 21st, 2018

8th Ward Alderman Downplays Pill Hill Residents Opposition to Proposed Low Income Section 8 Housing Coming to Ward

Posted by Admin On April - 21 - 2018 Comments Off on 8th Ward Alderman Downplays Pill Hill Residents Opposition to Proposed Low Income Section 8 Housing Coming to Ward


A Press Conference in opposition to the proposed Senior building will be held in front of the alderman’s office at 8539 S. Cottage Grove Ave., Wednesday, April 25, at 1 PM. 8th Ward residents are urged to attend


After successfully blocking a marijuana facility and pawnshop from coming into the 8th Ward – both supported by 8th Ward Alderman Michelle Harris – residents are again up-in-arms with the alderman, battling her efforts to bring in a proposed low income Section 8 Senior housing building at 9329 to 9429 S. Stony Island Ave., in Pill Hill,  a middle and upper middle class neighborhood.

Residents in the Calumet Heights (Pill Hill) area are angry; and they’ve made their feelings known many times over. They have expressed their dissatisfaction with her at several community meetings where she was invited to attend but didn’t show up to hear what they had to say about her plans to infiltrate the community with the facility– which they see as negative to the community.

Nonetheless, Ald. Harris has ignored their opposition to the proposed Montclare Calumet Heights Senior Building which will consist of 134 units, 7 Story tall.

Harris tries to belittle and downplay community opposition to the facility. In an interview with a local publication, Harris stated that the project had a large amount of support and tried to marginalize opposition support, describing them as a “small group” of people in the ward that don’t support her. That couldn’t be further from the truth.

At a scheduled meeting at St. Ailbe Church that was canceled without community knowledge, about 200 people showed up for the meeting on a rainy cold day to voice their opposition to the project and to let their voices be heard. The meeting was canceled because of a telephone call by someone who falsely used the name of another person that was known to some church members. When the woman found out her name was falsely used, she called the church and complained, and the room reservation was canceled.

Residents have long expressed opposition to Montclare Calumet Heights Senior building coming to the Calumet Heights (Pill Hill) community. They’ve said many times over, “We Don’t Want It”

Speakers at the Press Conference will be:

Pamela Bratcher-McMillan, Concerned Citizen

Rev. Harold Bailey, Founder & President, Probation Challenge

Jerry Brown, Community Activist

Linda Hudson, Candidate for 8th Ward Alderman

Kenyetta Hunter, Community Activist

Marcel Bright, Retired Journalist



Starbucks Arrests Show Implicit Bias is Hiding in Plain Sight

Posted by Admin On April - 21 - 2018 Comments Off on Starbucks Arrests Show Implicit Bias is Hiding in Plain Sight


By Marc H. Morial
President & CEO
National Urban League


“Those of us who bear the brunt of racial bias and oppression every day end up having to not only battle that bias and oppression, but also convince everyone else that it even exists. It is very hard for the majority of the population to see how the everyday businesses, agencies, and organizations that we interact with are perpetrating harmful racial bias, and even harder for the majority of the population to see how they are perpetrating harmful racial bias themselves. It is hard to see how something that can feel like the air you breathe to most, can be the storm you drown in to others.”  — Ijeoma Oluo

The arrest of two young Black men at a Philadelphia Starbucks sparked widespread protest and has ignited a national conversation about the issue of implicit bias and how to combat it.

As a sort of contrast, around the same time as the Starbucks arrest, a fraternity at Syracuse University was suspended over racist, sexist and homophobic videos recorded in the fraternity house and posted to a fraternity Facebook group.

The videos show members pledging always to “have hatred in my heart” for African Americans, Hispanics and Jews – all of whom are referenced with slurs.

It doesn’t get any more explicit than that.

Implicit bias doesn’t advertise itself as blatantly. It doesn’t wear a hood and burn a cross. Unlike explicit bias, implicit bias has many defenders who fail to see it for what it is.

Last year, the United States Supreme Court reversed the death sentence of a defendant after the defendant’s attorney introduced evidence that suggested the defendant would be more likely to commit violent acts in the future because he was black.

As I wrote at the time the case was being argued:
The false belief that black people are inherently more dangerous than other races has obvious and injurious implications in criminal justice proceedings. Large segments of society, our economy and countless individuals are harmed when this myth of black dangerousness is validated. The idea of an innate black tendency to violence is a malignant, centuries-old belief that continues to impact America, undermining freedom, individuality and opportunity.

This false belief – this implicit bias – is not only what led to the arrest of the two young men in Starbucks, it is behind the tragic deaths of far too many young men and boys, from Travon Martin and Tamir Rice to Philando Castile and John Crawford.

Studies indicate that 70% of Americans harbor implicit racial bias against black people. It infects our interactions at every level of society. Even preschoolers are not immune – Black children make up 20 percent of preschool students, but half those who are suspended.

Implicit bias is reinforced by the media – for example, while about half of people arrested by the New York Police Department for violent crime are Black; they are represented as suspects in 75 percent of the cases shown on evening tv news coverage.

Starbucks decision to close its stores for a day of implicit bias training is well-intentioned, but it cannot be an isolated effort.  We hope it is the beginning of a national awakening to an issue that has hidden in plain sight for far too long.

Chicago Ranks in the Top 36% of Cities with the Most Overleveraged Mortgage Debtors – WalletHub Study

Posted by Admin On April - 21 - 2018 Comments Off on Chicago Ranks in the Top 36% of Cities with the Most Overleveraged Mortgage Debtors – WalletHub Study
With mortgage rates slowly climbing but still low, and with demand for homes exceeding supply, the free-credit-score website WalletHub today released its 2018 Home Overleverage Report.In order to determine where homeowners have the most unsustainable mortgage debts, WalletHub compared the median mortgage debt to the median income and median home value in more than 2,500 U.S. cities.

Mortgage Debt in Chicago (99th Percentile = Most Overleveraged):

  • WalletHub Home Overleverage Score: 30.78 (64th Percentile)
  • Median Mortgage Balance: $183,271
  • Median House Value: $235,000
  • Median Income: $47,250
  • Mortgage Debt-to-Income Ratio: 388% (68th Percentile)
  • Mortgage Debt-to-House Value Ratio: 78% (56th Percentile)

Prior to applying for a mortgage, we recommend prospective home buyers join WalletHub to review their free credit score and credit report to gauge their approval odds and possible interest rates. WalletHub’s Mortgage Payment Calculator can also help to determine an affordable monthly mortgage payment and realistic payoff timeline.

Please let me know if you have any questions or if you would like to schedule a phone, Skype or in-studio interview with one of our experts.

Diana Popa
WalletHub Communications Manager
(202) 684-6386

More from WalletHub


Arizona Police Department Unfairly Denies Diversity Motorcycle Benefit

Posted by Admin On April - 21 - 2018 Comments Off on Arizona Police Department Unfairly Denies Diversity Motorcycle Benefit

The Mesa Police Department in Mesa, Arizona denies Forty-Eight Foundation’s liquor license without valid reason. Event organizers claim diversity issues really are race related.

Diversity Motorcycle Benefit in Mesa, Arizona

Mesa, AZ (BlackNews.com) — Ernest Hickman of the Forty-Eight Foundation is trying to reach out to the press to correct what is being alleged as race related and an unfair denial of a special events permit. The Forty-Eight Foundation – a 501c (3) non-profit applied for a liquor license for a fundraising event with Desert Winds Harley Davidson. The event would feature beer, wine and spirits along and food, such as a fish fry, hamburgers, and hot dogs. However, on March 19th Arizona Liquor informed the Forty-Eight Foundation that the Mesa Police Department would recommend that the event be cancelled.

“The City of Mesa preemptively shut down an annual event hosted by Arizona Soul Brothers, the Phoenix-based motorcycle club that was involved in a deadly shooting last year the two-night event was scheduled to take place at Desert Wind Harley -Davidson near Country Club Drive and 10th Avenue. A flyer promoting the event stated that it was the 44th annual event hosted by the club,” is what was published about the event in an Arizona newspaper. However, there is more than what meets the eye.

“This year in 2018 we reached out to Desert Winds Harley Davidson who worked with us to use their facility to have a function March 30th and 31st, 2018. We had an approval with Desert Winds Harley Davidson which is located at 922 S Country Club Drive, Mesa Arizona, and with the help of their event Coordinator. Plus, the incident that occurred last year had nothing to do with the Forty-Eight Foundation and the Phoenix Police Department has already made an arrest in this case. There was never a real reason other than to think the city and the police took an issue with the diversity of our club,” said Hickman.

The deadly shooting being shopped by the press to put a negative light on the event and all involved is nothing more than a smoke and mirrors PR move by the local police and city. “It’s a cheap way to substantiate a stigma, really a stereotype. It’s getting very frustrating because there was no basis and it feels like a culture of a witch hunt,” said Ernest Hickman, CEO of Forty-Eight Foundation.

Mr. Hickman and the Forty-Eight Foundation states that they will protest the unfair setback in regard to this event. They are seeking a positive resolution by sitting down with city officials, under the help of any civil rights attorney willing to help, in order to explore what rights may have been violated and how the situation can be resolved to the satisfaction for all parties involved.

“Currently the Forty-Eight Foundation doesn’t have a civil rights attorney but are currently interviewing several. We are attempting to try, and recoup lost revenue by continuing to do our fund raising, and if we find an attorney and find out that possibly our civil rights were violated in some way we will explore that avenue as well by way of civil ligation or whatever means necessary,” said Mr. Hickman.

Chicago Teachers Union President “Proud” of Student Walkout

Posted by Admin On April - 21 - 2018 Comments Off on Chicago Teachers Union President “Proud” of Student Walkout

CTU President to Students on National Student Walkout: I am so Proud of You


Karen Lewis: “We fight for our students every day in our school communities. Today, students are standing up with leadership and courage to fight for equity and justice.”


CHICAGO, April 4, 2018CTU President Karen Lewis issued the following statement in support of Chicago public school students participating in #NationalStudentWalkout actions:

“Chicago public school students stood up today against gun violence and all acts of violence that plague our city: unemployment, racism, mass incarceration and austerity. Literally thousands of our youth live with the trauma of life in a city where housing and food insecurity is just as prevalent as gun violence. These young people understand that, here in Chicago, larger dynamics drive violence: poverty, unemployment, hopelessness and the callous indifference of our mayor – indifference that mars their educations and undermines their futures. They took action with sit-ins and marches today to say ‘enough.’

“We fight for our students every day in our school communities because that’s our responsibility and our commitment to our students as educators. Today, our students are standing up with leadership and courage to fight to bring equity and real justice to our city.”

“As educators and members of school communities, we recognize what these young people understand intimately – that it is only through racial, economic and social justice that we achieve educational justice – the kind of justice that will allow our students to fulfil their potential. Our students took that message to the streets today in what is a growing movement not just against gun violence but against the root causes of violence and despair in cities like Chicago. Our union is honored to embrace and support their struggle.

This January, the Chicago Teachers Union embedded language in its constitution to promote racial, economic and social justice as the path to achieving educational justice – and embraced a commitment to build community and labor coalitions to win those goals.

Jewish Constituents Lead Evanston Shabbat Vigil for Gaza Dead, Urging Rep. Schakowsky Condemn Israeli Military Actions

Posted by Admin On April - 21 - 2018 Comments Off on Jewish Constituents Lead Evanston Shabbat Vigil for Gaza Dead, Urging Rep. Schakowsky Condemn Israeli Military Actions

(Photo by Heidi Levin)

Rabbi Michael Davis of Jewish Voice for Peace-Chicago, an Evanston resident, led a mourning ritual honoring lives of Palestinian protesters killed over past several weeks

Evanston, IL – Early Friday morning in Gaza, another four Palestinian protesters – including a 15-year-old-child – were killed by Israeli snipers while participating in the  ongoing #GreatReturnMarch. More than 30 have been killed so far by live fire, and thousands have been wounded.

Led by Jewish Voice for Peace-Chicago, a crowd of around 50 people gathered on Friday evening for a Shabbat vigil and mourning ritual urging Rep. Schakowsky to condemn what Human Rights Watch, Amnesty International and others have condemned as the Israeli military’s deliberate targeting of Palestinian protesters.

(Photo by Michael Deheeger)

Participants were overwhelmingly constituents of the 9th Congressional District. “We are here with a simple message – protesters should not be shot and killed, and Palestinians should be free,” said Lynn Pollack, decades-long Evanston resident and member of Jewish Voice for Peace, as she opened the program. “It is so crucial for Rep. Schakowsky’s voice, as a Progressive champion, to be heard clearly condemning Israeli military snipers’ deliberate targeting of protesters in Gaza.”

Lynn Pollack of Jewish Voice for Peace opening the program (Photo by Michael Deheeger)

The Great Return March is organized by a cross section of civil society, grassroots activists, and political factions to highlight the impact of Israel’s brutal military blockade and to re-center the issue of Palestinian refugees’ right to return to the homes from which they were expelled in 1948. On its very first Friday, March 30th, 19 unarmed Palestinian protesters were killed by Israeli snipers. Thousands have been wounded.

Rabbi Michael Davis, an Evanston resident and member of Jewish Voice for Peace’s Rabbinical Council, led participants in welcoming in Shabbat and reciting the Kaddish, the traditional Jewish mourning prayer for the dead, in honor of the Palestinian protesters who have been killed so far.

Rabbi Michael Davis of Jewish Voice for Peace leading mourning ritual in honor of Gaza protesters (photo by Michael Deheeger)

“I lived in Israel for 20 years and served in its military for three of those years,” said Rabbi Davis. “Human beings should not be gunned down as if they were dummies in a target practice. Palestinians have the right to demonstrate for their right to return to their ancestral villages, from which they were expelled in 1948.”

As of Friday, 4/20, more than 30 Palestinian protesters had been killed by Israeli snipers while participating in the Gaza #GreatReturnMarch.  Professor Ghada Talhami, a Palestinian-American resident of Evanston, read out loud each of the names that organizers had been able to obtain.

Professor Ghada Talhami speaking (Photo by Michael Deheeger)

“Thank you all for being here to bear witness to the humanity of Palestinians,” said Professor Talhami. “No one should be shot dead for demonstrating for their basic human rights.”

Lynn Pollack closed the program by pledging that Jewish Voice for Peace will return weekly through the end of the Great Return March, which is slated to culminate on May 15th, Nakba Day, which will mark the 70th anniversary of the Nakba (“Catastrophe” in Arabic), the destruction of over 500 villages and forced displacement of approximately 750,000 Palestinians during Israel’s establishment in 1948, by armed militias that later coalesced into the Israeli military.

In the meantime, participants were asked to continue calling Representative Schakowsky’s office to urge her, as a Progressive standard-bearer, to join a growing number of her colleagues in the House as well as Senators Bernie Sanders, Elizabeth Warren and Dianne Feinstein in condemning the killings. Jewish Voice for Peace is also calling on her to affirm the rights of Palestinians to protest for their right to return home to lands from which they were expelled in 1948, and to uphold existing US law, which makes it illegal to provide weapons or training to the Israeli military that is used in human rights violations, and call for an immediate investigation.

(Photo by Michael Deheeger)

MORE BACKGROUND: On Friday, March 30th, an estimated 30,000 Palestinians in Gaza launched the #GreatReturnMarch. Organized by a cross section of civil society, grassroots activists, and political factions, this effort highlights the impact of Israel’s brutal military blockade and re-centers the issue of Palestinian refugees’ right to return to the homes from which they, or their parents and grandparents, were expelled in 1948.

The Israeli military responded with a brutal show of force – snipers opened fire with live ammunition in acts that Human Rights Watch denounced as “unlawful” and “calculated”. Amnesty International has condemned the Israeli military’s use of “excessive force” and assigned clear responsibility to Israeli authorities.

Israel’s government has made clear that it fully supports these deliberate killings. Israeli Defense Minister Avigdor Lieberman has stated: “There are no innocents in Gaza.” The day after the killing of the first 15 Palestinian protesters on March 30, the Israeli military posted, then promptly deleted, the following tweet: “Yesterday we saw 30,000 people; we arrived prepared and with precise reinforcements. Nothing was carried out uncontrolled; everything was accurate and measured, and we know where every bullet landed.”

As of April 15th, at least 32 Palestinians have been killed and more than 1,400 have been injured, including children and clearly-identified members of the press.

JVP-Chicago is the local branch of Jewish Voice for Peace (www.jvp.org), a national, grassroots organization inspired by Jewish tradition to work for a just and lasting peace according to principles of human rights, equality, and international law for all the people of Israel and Palestine. Jewish Voice for Peace has over 200,000 online supporters, over 60 chapters, a youth wing, a Rabbinic Council, an Artist Council, an Academic Advisory Council, and an Advisory Board made up of leading U.S. intellectuals and artists.

Illinois Awarded $16 Million Grant to Fight Opioid Crisis

Posted by Admin On April - 21 - 2018 Comments Off on Illinois Awarded $16 Million Grant to Fight Opioid Crisis

Funding expands access to treatment and prevention for opioid and heroin crisis for second straight year


CHICAGO, IL – The Illinois Department of Human Services (IDHS) is receiving $16 million in federal funding to continue its efforts to combat the opioid crisis.

Opioid deaths are rising across the country, according to the Centers for Disease and Prevention, which reports more than 63,600 opioid overdose deaths in 2016. There were just over 2,000 opioid related deaths reported in Illinois last year.

“We are losing too many people at the hands of these very dangerous, highly addictive drugs,” Governor Rauner said. “Our teams are working every day to get people the help they need to overcome substance use disorder. More than 2,500 people have reached out to our 24-Hour Helpline and we’re seeing a significant increase of doctor participation in our Prescription Monitoring Program. Our whole focus is to save lives.”

It’s the second year in a row that Illinois has received the funding, which is awarded through the 21st Century Cures Act and administered through IDHS’ Substance Abuse and Mental Health Services Administration under the State Targeted Response to the Opioid Crisis Grant program.

The grant will support new treatment and recovery services, expanded medication-assisted treatment for individuals with opioid use disorder, opioid-related enhancements to the Illinois Prescription Monitoring Program (PMP), programs to connect individuals experiencing an opioid overdose from hospital emergency departments to services in the community, and pre-release and post-release services for individuals who are incarcerated in county jails.

The award will allow continued training for first responders, who play a critical role in saving lives and administering Naloxone to individuals that are experiencing an opioid overdose. IDHS funded community based organizations have trained 17,675 people so far during the state’s FY18. Nearly 900 lives have been saved as a result of this training and through the distribution of Naloxone.

“Illinois continues to be severely impacted by the opioid epidemic and this grant allows us to strengthen our state-wide services and expand access to treatment and overdose prevention programs in Illinois,” IDHS Secretary James Dimas said. “We look forward to supporting new programs and services in areas that have been most effective.”

Dimas urges anyone who is looking for information about opioids and treatment resources to call the state’s Opioid Helpline at 1-833-2FINDHELP.

Public Inquiry Report Describes Systemic Issues in CPS’s Special Education Program

Posted by Admin On April - 21 - 2018 Comments Off on Public Inquiry Report Describes Systemic Issues in CPS’s Special Education Program


ISBE leaders to recommend next steps at May 16 Board meeting


SPRINGFIELD, IL – The Illinois State Board of Education (ISBE) today reviewed the final report from the Public Inquiry Team appointed to examine special education services in Chicago Public Schools (CPS). The Inquiry Team found systemic problems that delayed and denied the provision of special education services to students. Policies, procedures, and systems also hindered the ability of educators and families to advocate for the services students needed.

The Public Inquiry report contains 43 findings of fact. The Inquiry Team found widespread issues with CPS’s Student Services Management (SSM) system, an electronic program that guides users through a series of fillable forms designed to develop a complete Individualized Education Program (IEP) for a student, and with the procedural manuals for using the SSM. The Inquiry Team also found systemic problems with CPS’s processes for collecting data to assess students’ need for services, authorizing IEP teams’ recommendations for students, and providing transportation for students.

“We have an obligation as the leaders of public education systems to create conditions that support every single child in our care,” said State Superintendent of Education Tony Smith, Ph.D. “I deeply appreciate the full participation of all of the parties throughout this first-of-its-kind process in Illinois. This Public Inquiry allowed us to examine CPS’s special education program not just from an administrative compliance perspective but also from the view of the families and educators trying to provide students the best educational experience possible. We are encouraged that CPS has already begun taking steps to improve on the issues discussed in the report. We look forward to working together to build on CPS’s strengths and ensure all students receive the supports they need to thrive.”

ISBE General Counsel Stephanie Jones and ISBE Executive Director of Special Education Services Heather Calomese will meet with CPS and the advocates who brought the initial complaint to ISBE to develop a plan to ensure the concerns noted in the report are resolved prior to next school year. Jones and Calomese will recommend next steps at the State Board meeting on May 16 in Springfield.

ISBE initiated the state’s first-ever Public Inquiry after receiving concerns about potentially systemic issues with CPS’s special education program from families, educators, and stakeholders. The Public Inquiry process facilitates fair and transparent fact-finding on a matter of public concern, while maintaining the focus on the well-being and rights of students.

The Inquiry team held six public comment sessions, received input through a dedicated hotline, collected extensive documentation, and hosted a three-day open hearing to probe the evidence by asking questions of witnesses.

View the Public Inquiry team’s final report at https://www.isbe.net/publicinquiry.

New 400 Theaters to Host Screening of Rogers Park Youth documentary, “Silence the Violence”

Posted by Admin On April - 21 - 2018 Comments Off on New 400 Theaters to Host Screening of Rogers Park Youth documentary, “Silence the Violence”


From: Alderman Joe Moore


There will be a screening of the documentary film, Silence the ViolenceCreated by youth from Family Matters, an organization that works with families and youth in the North of Howard community, the film looks at the multiple causes of gun violence through the eyes of young men in Chicago.

The screening takes place next Tuesday, April 24th, 7:00 p.m., at the New 400 Theaters6746 N. Sheridan (just south of Pratt). A panel discussion with the young men will follow. Tickets are $10 and all proceeds will benefit Family Matters’ youth development programs.

To purchase your ticket and reserve your seat, click here.

Purchase tickets here

The young men in the documentary provide courageous, genuine reflections about life and death, while posing the violence problem as both an issue of easy access to firearms and lack of access to alternatives to violence.

The result is a powerfully arranged collection of both everyday footage, statistics, 911 calls and personalization of what have come to be all-too-familiar news stories.


With this film and the discussion that follows, Family Matters aims to provide Rogers Park youth a platform to share their voices on the issue of gun violence and offer insights on ways to promote peace in our neighborhood and city. Their goal is to foster a safe atmosphere for constructive dialogue, leading to deeper understandings of these complex issues, and inspire future opportunities for collaboration and justice-oriented action.

Filmmaker Chris Spence, Family Matters’ Director of Teen Boys and Youth Engagement, assisted the young men in producing this film with funding support from the Community Church of Wilmette.

I urge you to see this path-breaking film on one of the most critical issues of our day.


Ald. Joe Moore

Attorney General Madigan Files Lawsuit Against Illegal Lender

Posted by Admin On April - 21 - 2018 Comments Off on Attorney General Madigan Files Lawsuit Against Illegal Lender


Madigan Alleges Future Income Payments LLC Defrauded Consumers out of Thousands of Dollars in Pension Benefits through Illegal Short-Term Loans



CHICAGO, IL – Illinois Attorney General Lisa Madigan announced a lawsuit against a Nevada-based company for an illegal, predatory lending scheme that exploited Illinois consumers by targeting their retirement benefits. Madigan filed the lawsuit against Future Income Payments LLC (FIP) alleging the company illegally made installment loans without a license and tried to disguise the loans as “pension sales.”


According to Madigan’s complaint, filed in Sangamon County Circuit Court, FIP operates illegally in Illinois without a license and charges exorbitantly high rates for its loans that violate Illinois law. In addition, Madigan alleged that FIP illegally advertises its loans as a way to obtain cash quickly in exchange for payments from a consumer’s pension benefits. State and federal laws restrict selling or transferring pension benefits, making the premise of FIP’s sales illegal.


For a $2,000 to $5,000 loan, consumers repay FIP from their monthly pension payments. Due to extremely high finance charges, consumers paid back tens of thousands of dollars more than they received in the loan from FIP.


In one instance, FIP provided a consumer $2,100, but the consumer was required to pay back a total of $16,800 from their pension payments at $350 per month for four years. In that case, the finance charge totaled $14,700 – the equivalent of a 200 percent annual percentage rate. Further, Madigan alleged FIP never revealed the finance charges to the consumer, instead concealing the extraordinarily high interest rates of its loans from consumers.


“Future Income Payments engaged in an illegal and deceptive scheme that took advantage of vulnerable people needing financial assistance,” Madigan said. “Future Income Payments’ illegal loans were outrageously expensive and left people in far more debt than they intended.”


Madigan’s complaint alleges that FIP advertised its loans online, and once a consumer expressed interest, they were contacted by an FIP agent who helped them fill out an application with information about their pension plan benefits and bank account information. In several cases, people reported that FIP continued to withdraw money from accounts even after they attempted to cancel the agreement. At least one consumer reported that FIP informed them the transactions were allowed even after their pension company said the transaction was not legal.


The Attorney General’s lawsuit asks the court to void deceptive contracts and seeks restitution for consumers. Madigan is also seeking to prohibit FIP from marketing or offering loan services without being licensed by the state, as well as asking the court to impose civil penalties.


Deputy Bureau Chief Paul Isaac and Assistant Attorneys General Ike Heimlich and Grant Swinger are handling the case for Madigan’s Consumer Fraud Bureau.


To file a consumer fraud complaint against FIP, visit Madigan’s website or contact her office’s Consumer Fraud Hotline at 1 (800) 243-0618.


Recent Comments

Welcome to CopyLine Magazine! The first issue of CopyLine Magazine was published in November, 1990, by Editor & Publisher Juanita Bratcher. CopyLine’s main focus is on the political arena – to inform our readers and analyze many of the pressing issues of the day - controversial or otherwise. Our objectives are clear – to keep you abreast of political happenings and maneuvering in the political arena, by reporting and providing provocative commentaries on various issues. For more about CopyLine Magazine, CopyLine Blog, and CopyLine Television/Video, please visit juanitabratcher.com, copylinemagazine.com, and oneononetelevision.com. Bratcher has been a News/Reporter, Author, Publisher, and Journalist for 33 years. She is the author of six books, including “Harold: The Making of a Big City Mayor” (Harold Washington), Chicago’s first African-American mayor; and “Beyond the Boardroom: Empowering a New Generation of Leaders,” about John Herman Stroger, Jr., the first African-American elected President of the Cook County Board. Bratcher is also a Poet/Songwriter, with 17 records – produced by HillTop Records of Hollywood, California. Juanita Bratcher Publisher

Recent Posts