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                                        Consumer Credit Counseling Northwest Indiana - just to add
to that "Accreditation expired on 03/22/2010"
                                    
                                    
                                        I agree, the drop out rate is also high with credit counseling, as most
  creditors won't work with the cc agencies. While debt settlement 
  companies, with its preference or requirement for past-due accounts, 
  deal with third party collection agencies, that don't have a choice but to settle.
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