A Credit Line?  With Inflated Fees, Shaky Advice and Legal
Troubles, All Some Debt Repair Agencies Hand You Is a Faux Fix
The commercial dangled an array of elixirs for the credit-
impaired. Get a Visa card in 30 days. Repair bad credit. Declare
bankruptcy, and--making this unique among the bankruptcy
attorneys and credit repair agencies who clutter the airwaves--
incorporate yourself in Nevada. I caught these ads in the wee
hours of the night, when most skeptical and productive people
are fast asleep, on programs such as "Strange Universe" and
"Could It Be a Miracle?" They're the kinds of ads that almost
everybody ignores. But who are the people who don't?  To find
out more, you are invited to attend a free seminar. It was a
door that opened into the twilight zone of credit repair, a
shadowy world whose siren calls, dubious as they may sound, lure
countless desperate souls.  The seminar takes place in a bland
meeting room at a downtown hotel. There are about 100 chairs set
up, which quickly fill as the start