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DEAR READERS: We recently printed a letter from Problem Still Here, who asked our readers if counseling was worth it. We were inundated with replies from readers sharing their stories, and the vast majority found counseling tremendously helpful. We cannot possibly print all the letters we received, but the response was so overwhelming that we have decided to devote two days to the subject ...

Does housing counseling work?
As foreclosure rates soar, is ineffective housing counseling to blame? It depends on whom you ask. Some experts--and even some studies--say that counseling helps new homeowners clarify a complex process. Others complain that counseling results are not measured and quality varies among agencies.

Counseling programs: Racing vs. other pro sports
Arlington Park (Arlington Heights, Ill.) Services for licensed personnel provided by the Racing Industry Charitable Foundation. The foundations social services aid individuals and families, ranging from generic social service to highly professional and comprehensive counseling.