Those that remain require transactions be made by certified check or money order.

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In order to bid, you have to have with you a cashier's check or certified check for 10 percent of your bid.

NPR: Housing Auctions Surge as Foreclosures Mount

Additionally, she points to RIA accreditation and an extensive background check on the 50 certified financial planners who offer advice on everything from student loan debt to risk tolerance analysis and portfolio recommendations.

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