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
United States, United States. Congress. House. Committee on Ways and Means. Subcommittee on Oversight
U.S. Government Printing Office, 2004 - Consumer credit - 85 pages
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abuses activities addition America amount appear assistance bankruptcy BEALES believe benefit budget CCAs Center Chairman HOUGHTON changes charge charitable clients Code collection Commission Committee companies concerned consumer credit counseling consumer protection continue contributions correct counselors credit card credit coun credit counseling agencies credit counseling industry credit counseling organizations credit counseling services creditors debt management plans developed DMPs enroll entities EVERSON exemption fact fair Federal fees filed follows for-profit Form funding going groups HALL hearing increase independent individual interest issues KLECZKA laws marketing million NFCC non-profit offer offices operate paid payment POMEROY practices problems profit qualify question rates receive reduced regulation represent requirements responsible SANDLIN seek seling serve share standards statement status Subcommittee sumers tax-exempt status Thank tion