Credit counseling is growing fast, but some agencies have problems

-- High and rising fees, with clients charged as much as one month's payment and 10% subsequently as "voluntary contributions"

-- Lavish pay for top executives--up to three times the going rate for nonprofits

-- Executives funnel purchases of real estate, goods, and services to associated for-profit businesses

-- Officers have had run-ins with the law, including sanctions for securities violations

Data: BusinessWeek

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