51.   The FTC said consumers had begun to complain about the creditors themselves, who often attempt to collect the debt instead of hiring an agency.

52.   The selling pressure increased following economic reports that suggested that consumers might begin to spend more, sparking a rebound in economic growth and causing inflation to accelerate.

53.   The survey results emerge just as policymakers and consumers have begun to question the benefits of electricity deregulation after watching the power crisis in California unfold.

54.   When consumers begin to spend like this, business often begins to follow.

55.   With debt levels already high, many economists believe consumers will soon begin to reduce their spending to pay off mortgages and credit-card bills.

56.   Analysts said ordinary consumers are finally beginning to spend more on nonessential goods like computers and electronic products.

57.   Auto analysts say Japanese consumers are beginning to be more cost-conscious about their car inspections, and point to the growth of discount parts suppliers.

58.   But things are changing now -- and consumers are beginning to have more choice.

59.   Consumers began their holiday buying over Thanksgiving weekend, and kept the shopping spree going well into the new year.

60.   Consumers could begin benefiting in the next two years.