Our guest today, Michael Bovee, has worked with financially challenged consumers for the past 17 years and is a recognized expert in his field. Michael founded Consumer Recovery Network (CRN) in 2006. CRN offers debt settlement services and educational resources nationwide. He has served as its president for 5 years. He helped to found the American Association of Credit Counselors (AACC) in 2010. The AACC is the first industry association to include both debt settlement and debt management companies (often referred to as nonprofit credit counseling) as members. This fact is unique given the two sides of the industry have all too often been found at odds with one another. He has been interviewed on finance radio shows, columnists, and many publications, and has written dozens of articles covering debt and credit related topics. He has also participated in several state and federal initiatives to regulate his industry. For more information go to: http://consumerrecoverynetwork.com.