Non-profit Credit Counseling Organizations: Hearing Before the Subcommittee on Oversight of the Committee on Ways and Means, U.S. House of Representatives, One Hundred Eighth Congress, First Session, November 20, 2003
U.S. Government Printing Office, Jan 1, 2004 - Consumer credit - 85 pages
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abuses activities AICCCA Ameridebt Amo Houghton bankruptcy BEALES beneﬁt Boisclair budget Cambridge Credit Counseling CCAs certiﬁcation Chairman HOUGHTON charitable clients Code of Practice Commission consumer credit counseling consumer debt consumer protection consumer’s contributions counselors credit card companies credit card debt credit coun credit counseling agencies credit counseling industry credit counseling organizations credit counseling services creditors debt consolidation debt management plans debt management program deceptive DLIN Earl Pomeroy education and counseling enroll entities EVERSON exemption fair share Federal Trade Commission fees ﬁled ﬁnances ﬁnancially distressed ﬁrst for-proﬁt Foundation for Credit funding GreenPath HALL hearing help consumers ILLINGWORTH issues KLECZKA Loonin Mark Everson million NFCC members non-proﬁt credit non-proﬁt status nonproﬁt credit counseling offer ofﬁcers operate payment POMEROY proﬁt regulation requirements roﬁt SANDLIN seek seling signiﬁcant speciﬁc statement Subcommittee sumers Take Charge America tax-exempt status Thank tion unsecured debt