CARE Press Room

Press Contact

Anna Flores
703 - 739 - 0800

What is CARE?

Founded in 2002, the Credit Abuse Resistance Education (CARE) program, seeks to educate high school and college students on the responsible use of credit and other fundamentals of financial literacy, as well as the potential consequences of poor money management and credit card abuse.

The program was founded by now-retired U.S. Bankruptcy Judge for the Western District of New York John C. Ninfo II. Tired of seeing so many debtors coming through his courtroom having gotten into financial trouble through the misuse of credit cards and poor financial planning and budgeting, Judge Ninfo decided to take action and the CARE program was born.

Now entering its fourteenth year, the CARE program boasts a presence in all 50 states and the District of Columbia.

CARE Program Overview

CARE is a free financial literacy initiative that makes experienced members of the Bankruptcy Community available to teach the importance of financial education. These presentations are the perfect supplement to any financial literacy program offered by you or your school, especially to any unit on consumer credit, and they can be made during individual classroom periods or to larger student groups, including senior assemblies. CARE's primary target is high school seniors and college freshmen who are most at risk because, as hungry consumers, they are aggressively marketed by the credit card industry at a time when they carry a very low Financial I.Q.

CARE was founded in 2002 and now has a presence in all 50 states and the District of Columbia. The American media has dubbed this program a "scared straight" credit program for students. CARE is honored and excited to be a national partner of the Jump$tart Coalition and a member of the National Financial Education Network. It is also forever grateful to NextStep Magazine for allowing us to spread the word about CARE and to the National Conference of Bankruptcy Judges, National Association of Bankruptcy Trustees, the United States Trustee Program and the Federal Judicial Center for their support.

This Web site supplements the live presentations with free downloads in the form of handouts, videos, Powerpoint presentations, games and more for your use. Our CARE Locator Map is powered by Google to make finding a contact person near you as easy as possible. You will then be able to schedule a presentation in your area or help us start a new CARE Program where you live.

CARE Board of Directors

David Bird, Clerk of the Court, US Bankruptcy Court, District of Delaware
Don Blandin, President & CEO, Investor Protection Trust
Hon. Sidney Brooks, US Bankruptcy Court, District of Colorado
Hon. Mildred Cabán, US Bankruptcy Court, District of Puerto Rico
Patrick Clisham, Engelman Berger, PC
Hon. Rebecca Buehler Connelly, US Bankruptcy Court, Western District of Virginia
Hon. Dennis Dow, US Bankruptcy Court, Western District of Missouri
Dara Duguay, Executive Director, Credit Builders Alliance
Sam Gerdano, Executive Director, American Bankruptcy Institute
Allen Guon, Shaw Fishman Glantz & Towbin LLC
Lisa Hertzberg, Director, LifeSmarts, National Consumers League
Hon. Laurel Myerson Isicoff, US Bankruptcy Court, Southern District of Florida
Bryan Kaplan, New York City Department of Housing Preservation and Development
Edward M. King, Frost Brown Todd LLC
John Linfield, Esquire, Chairman, Financial Literacy Institute
Hon. Margaret Mann, US Bankruptcy Court, Southern District of California
Ken McEldowney, Executive Director, Consumer Action
Mark McElroy, Executive Vice President, TransUnion
Hon. Catherine Peek McEwen, US Bankruptcy Court, Middle District of Florida
Hon. John C. Ninfo II (ret.), US Bankruptcy Judge and CARE Founder
Hon. Karen Overstreet (ret.), US Bankruptcy Judge, Western District of Washington
Hon. Pamela Pepper, US District Court, Eastern District of Wisconsin
Jeff Pomerantz, Partner, Pachulsky Stang Ziehl & Jones LLP
Joe Schorer, Of Counsel, Kirkland & Ellis LLP
Dr. Michael Staten, Endowed Professor and Director, Take Charge America Institute, University of Arizona
Lynn Tavenner, Partner, Tavenner & Beran PLC
Colleen Tressler, Senior Project Manager, Federal Trade Commission
Sherri Wattenbarger, Office of the US Trustee, Kansas City MO
Geraldine M. Walsh, President, FINRA Foundation and SVP Investor Education