"Imagine you are a young mother and the sole provider for your family. A few years ago, your husband died violently and suddenly. You are still regaining your emotional balance and also struggling greatly due to the loss of his wages from his full-time employment... Imagine that you have no idea where to turn for legal advice on how to handle your utility bills and other debts. Now imagine that because you live in Philadelphia and have an income below the federal poverty guidelines, you are able to unravel this tightly woven financial knot..."

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