@article{552-070-30991-8,
      note = {Advisory (p. 2-3) incorrect.},
      url = {http://library.usi.edu/record/282146},
      title = {Non-profit credit counseling organizations : hearing  before the Subcommittee on Oversight of the Committee on  Ways and Means, U.S. House of Representatives, One Hundred  Eighth Congress, first session, November 20, 2003.},
      publisher = {U.S. G.P.O. :},
      number = {552-070-30991-8. Serial no. 108-27 (United States.  Congress. House. Committee on Ways and Means)},
      recid = {282146},
      pages = {iii, 85 p. :},
      address = {Washington :},
      year = {2004},
}