When NuMark Credit Union held a seminar last fall on managing and paying off debt, Linda Krakora was taken aback when a smartly dressed, older couple walked in the door.

“I even asked them ‘are you in the right place,’” recalled Krakora, the training and development manager at the $187 million credit union in Joliet, Ill. “They said they were. Never had any debt but a company closed down, and they got a hold of some things that led to some problems.”

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