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

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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

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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

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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

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

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