Angel Blas, 51, stands in his backyard with one of his pet guinea pigs. A law firm persuaded him to pay $3,500 to negotiate with his lender to refinance his mortgage. Blas says the firm took no action. Ari Daniel Shapiro for NPR hide caption

itoggle caption Ari Daniel Shapiro for NPR

Damon Corkern, who works for ECS Solar Energy Systems, installs solar panels on a house roof in Gainesville, Fla. Joe Raedle/Getty Images hide caption

itoggle caption Joe Raedle/Getty Images

Cindy Lohman is seen holding a photo of her son Ryan, who was killed by a bomb in Afghanistan. She says she feels betrayed by Prudential, his life insurance company. Bill Cramer/Bloomberg hide caption

itoggle caption Bill Cramer/Bloomberg

U.S. pay czar Kenneth Feinberg says executive payouts were "ill-advised," but critics say he should have acted more forcefully. Alex Wong/Getty Images hide caption

itoggle caption Alex Wong/Getty Images

A sign lists the costs for checking baggage with American Airlines last month at Seattle-Tacoma International Airport. Ted S. Warren/AP hide caption

itoggle caption Ted S. Warren/AP