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Cali mom,
What the above posts are trying to tell you is that if they aren't accepting applications, then you lose no money: the agency will tell you "we have enough families waiting to adopt, we aren't accepting any more applications." Korea picks only those US agencies that are ethical and reliable - I haven't heard of a single case of someone losing money unless they broke one of the rules in the contract. But if you want to move on to another country, that is another thing.
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