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Before filing for bankruptcy, a consumer-debtor must receive credit counseling.
Feedback
Information or observations returned to the originator, which can be used to modify or enhance actions, decisions, or behaviors.
Encoded Message
A message that has been converted into a code or different format to secure its content during transmission.
Communication Channel
The medium through which information is transmitted from a sender to a receiver.
Field of Experience
The background, knowledge, perceptions, and attitudes that individuals or groups bring to a communication situation, affecting how messages are interpreted.
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