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Special Note: Several weeks ago, I received two letters regarding gemach problems. For those of our readers who are unfamiliar with the term, gemachs are organizations found in every Torah community to help families who are in financial straits. Interestingly enough, the two letters that I received describe gemach problems from different perspectives - one speaks about the responsibilities of the donors, and the other about the responsibilities of the recipients. They each make valid points that should be addressed.