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Those Seeking Debt Services Should Beware Unscrupulous Counselors.

By Kathy Gurchiek, The Salt Lake Tribune Knight Ridder/Tribune Business News

Mar. 4--You screen calls to dodge collection agencies and juggle bill payments. You feel as if you are being swept away by an undertow of debt. How do you find solid ground?

Turning to a credit counseling agency or debt management company for help is one option. About 9 million Americans have some contact with a consumer credit counseling agency each year, according to the Consumer Federation of America (CFA) in Washington, D.C.

For a price, such a company will conso

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