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Manassas, Va., has 6000 families behind on mortgage payments, and three counselors. Mickey Rhoades is one of them. "A half-hour into my day and all the peace is gone," she says. She gets 60 calls a week. It takes as long as four hours to process each

About a decade ago, a qui tam suit led the Department of Education to pursue Computer Learning Centers of Manassas, Va. CLC had been a high-flying stock in the late 1990s but sought Chapter 7 protection in 2001 after the Department of Education
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