They're like loan sharks, but they don't break legs.

Developing a budget is one of the most powerful tools. One woman, earning a fairly decent salary, was left with almost nothing at the end of every week. When she checked her expenses, she found she was spending $600 a month on clothing. Most people, in fact, don't know where their money is going.

Joel Greenberg

We expect that many of these people will be in very deep trouble by the time they come to us.

Joel Greenberg

That's not true of ethical agencies. Any ethical agency will check what brought an individual into debt and perhaps refer that person to a bankruptcy lawyer or to a local bar association.

Joel Greenberg