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Credit Abuse Resistance Education

Founded in 2002 by now-retired US Bankruptcy Court Judge John C. Ninfo II, Credit Abuse Resistance Education (CARE) was created to teach high school and college students about the responsible use of credit and the consequences of credit card abuse. Judge Ninfo grew the organization to have a national presence by helping other bankruptcy professionals start their own CARE programs across the nation.

Upon his retirement, Judge Ninfo turned CARE over to the American Bankruptcy Institute in Alexandria, VA, where it expanded and developed into a nationally branded organization. In 2016, CARE received its 501(c)(3) status from the IRS and has emerged as a national nonprofit community service organization dedicated to inspiring smart financial-decision making by students and young adults.

Now, nearly 20 years after its creation, our organization recruits and trains professionals in the bankruptcy and other financial services fields, who are then invited to schools and other venues to teach the fundamentals of personal financial management.

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