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These are FTC consumer feature articles
from 2003. These articles can be reprinted in your newspaper,
magazine or newsletter; some articles have also been distributed
by the North American Precis Syndicate (NAPS).
counseling organizations are nonprofit and work with
consumers to solve their financial problems. But beware
-- just because an organizations says it's nonprofit
doesn't guarantee that its services are free or affordable,
or that it's services are legitimate.