(LATimes.com) – A couple who ran up about $100,000 on a dozen credit cards paid a Tehachapi firm $1,000 upfront but haven’t seen any progress in half a year.

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Clearly the Rademans got in over their heads through a combination of mistakes and misfortune. In hindsight, they readily acknowledge that running up massive bills on multiple credit cards was a dangerous thing to do.

But consumer advocates and state officials say the Rademans made a bad situation worse by paying $1,000 upfront for a credit counseling service, with no real promise of action in return.

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