[unable to retrieve full-text content]That's why 
Credit Counseling is usually only effective for people with short-term 
financial problems. Consumers with long-term 
financial instability have trouble keeping up with the regular payment stream required to make ...
Source: http://job4e.com/631864-Credit-Counseling-Why-It-Doesn-t-Work-for-Most-Debtors.html
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