11.   But counseling services have become increasingly difficult for youngsters to access.

12.   But some people are too embarrassed, or stubborn, to seek help from a debt counseling service.

13.   But when he went to a counseling service, Collymore said, he was told that his credit history was excellent.

14.   Callers will then be advised to get in touch with the Centers for Disease Control for referral to counseling services in their area.

15.   Collier also could not recall any districtwide meetings or counseling services held to deal with teacher-student sexuality before the Waldrop incident.

16.   Counselors and others think the Internet will become a valuable option for clients and a time- and money-saving service for credit counseling services.

17.   Debt counseling services across the country are seeing more middle-to-upper-income clients.

18.   Erickson, of the credit counseling service, predicts even more astronomical numbers of bankruptcies in the next downturn, which economists say is inevitable.

19.   Experts have been discussing the need for counseling services for mothers like Himeno.

20.   He believes that Houston is blessed with an unusually high number of shelters that offer such counseling services to the homeless.