Word: noncareer
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Dates: during 2000-2009
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Credit counselors offer services from budget advice to hands-on bill management. Signs that you may benefit from such help can be obvious--you're behind on payments--or more subtle--you spend more than a quarter of your after-tax income on nonhome, noncar debt. There's no quick way to check an agency because the industry is largely unregulated. But here are some pointers...
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