• Robby H. Birnbaum
    Robby H. Birnbaum
    AFCC President & Partner at the law firm of Greenspoon Marder
  • Bob Linderman
    Bob Linderman
    AFCC Vice President & Legal, transactional and regulatory expert
  • Andrew Housser
    Andrew Housser
    Co-founder and Co-CEO of Freedom Financial Network, LLC
  • Teresa Dodson
    Teresa Dodson
    Founder and President of Greenbacks Consulting
  • Daniel Kwiatek
    Daniel Kwiatek
    Co-Founder and COO of DMB Financial, LLC.
  • Bradley Smith
    Bradley Smith
    CEO and Co-Founder of Rescue One Financial
  • Kristie L Medlen
    Kristie L Medlen
    Global Holdings, LLC
  • Dr. Diane Chen
    Dr. Diane Chen
    Executive Director, Institute of Consumer Money Management (ICMM)
  • Andrea K. Mitchell
    Andrea K. Mitchell
    Managing Partner and a founding member of Mitchell Sandler LLC
  • David Green
    David Green
    Founder and CEO of Greenwise Financial
  • Dan Frazier
    Dan Frazier
    CEO of Century Support Services

The AFCC Board at Large


The Board at Large can consist of no more than 30 people representing debt settlement companies, vendors, attorneys, creditors and certified financial planners. The purpose of the Board at Large will be to provide further insight into social and industry issues. They will also have a primary responsibility to support the Executive Board in moving the direction of AFCC towards its mission.

Robby H. Birnbaum
AFCC President & Partner at the law firm of Greenspoon Marder

Robby H. Birnbaum serves as AFCC President and is a partner at the law firm of Greenspoon Marder in Fort Lauderdale, Florida. He is the nation’s leading legal expert on debt settlement companies. Mr. Birnbaum’s practice focuses on regulatory compliance and lawful operation of debt settlement companies. He has extensive experience representing all types and sizes of settlement businesses in front of states attorneys’ general, state banking and credit regulators, and federal agencies. He has earned the trust and respect of these regulators and his clients through tireless, honest and aggressive work efforts.

Mr. Birnbaum’s firm represents over 150 debt settlement companies, nationally and internationally, that require in depth state and federal regulatory compliance services, marketing and advertising review, licensing, startup and business planning, and overall legal support. Mr. Birnbaum has worked on debt settlement issues in every state in the US, representing companies in both proactive compliance planning and assistance, and defense of regulatory claims and actions. Mr. Birnbaum is backed up by a team of eight attorneys and five paralegals that eliminate the “learning curve” and deliver immediate, accurate and efficient information, representation, and answers that companies need to run their businesses.

Mr. Birnbaum has represented clients in front of state banking and financial commissions, Attorneys’ General, the Federal Trade Commission, Federal Communications Commission, and various other regulatory bodies.

For over 20 years, the firm’s licensing division has processed thousands of state and federal applications, many for debt adjustment companies. Relating to the more recent licensing laws enacted in Pennsylvania, Texas, Maryland and elsewhere, the firm maintains extensive resources, client checklists and charts, and compliance tracking systems to relieve companies of the burdens their requirements impose. All of these services are available electronically to our clients.

Greenspoon Marder Law, on an annual basis, publishes the most comprehensive guidebook for business owners in the debt settlement industry. Throughout the year, Mr. Birnbaum updates the materials, and hosts all-client conference calls alerting the firm’s clients to the most recent changes in the industry, and best practices. Additionally, the firm sends out frequent email reminders and updates to all of its debt settlement clients on the latest important and timely issues. The firm engages aggressively in strategic analysis of state legal issues, and provides detailed risk analysis to its clients so that they may make informed decisions and avoid the guess work prevalent in this uncertain and developing industry. Debt adjustment law review, credit repair analysis and implementation, prevention of UPL concerns, marketing licenses, privacy and business practices, and loss mitigation attorneys also support the firm’s debt settlement services.

Mr. Birnbaum has appeared as a guest and written a number of articles for major media outlets on the importance of debt settlement. Mr. Birnbaum is a Contributor to CNN, and has appeared nationally on CNN’s American Morning with the Florida Attorney General on the benefits of the industry. The firm maintains productive working relationships with regulators throughout the FTC and all state agencies to help in handling all types of client concerns. The firm also assists in private investments into debt settlement companies.  In the last few years, the firm assisted in over $100 million of private equity fund investments into various debt settlement companies.

Mr. Birnbaum serves as the elected President of the American Fair Credit Council, the debt settlement industry’s trade association, and regularly presents to the membership on compliance and best practices.

Mr. Birnbaum has arranged and led amicable and productive meetings of AFCC representatives and clients in front of dozens of the country’s foremost industry regulators. Mr. Birnbaum earned both his Bachelor’s and Law degrees from the University of Wisconsin. He is a member of the Florida and Wisconsin Bar Associations, and is active in various industry and legal associations. In 2012, Mr. Birnbaum was honored as the “Top 40 under 40” by the South Florida Business Journal, and has repeatedly been selected as one of the “Most Effective Attorneys” in Florida.

Bob Linderman
AFCC Vice President & Legal, transactional and regulatory expert

Bob Linderman serves as the Vice President and Legislative Director of AFCC.  Bob has more than 35 years of sophisticated legal, transactional and regulatory experience with a cross-section of businesses ranging from venture-backed startups to public companies, as well as extensive work with consumer, commercial and investment banks and funds. Bob was one of the earliest senior executives at NextCard, a pioneering Internet consumer credit card company/special-purpose bank, and has served as General Counsel to a wide range of financial services businesses.

For the past 20 years, Bob has specialized in the legal and business issues that occur at the intersection of media, regulatory and consumer finance activity. Bob earned both his Bachelor’s and Law degrees from Boston University, cum laude with distinction. He is a member of both the California and Massachusetts Bar Associations and is an active participant in several professional organizations.

Andrew Housser
Co-founder and Co-CEO of Freedom Financial Network, LLC

Andrew Housser is an accomplished entrepreneur, investor, co-founder and co-CEO of Freedom Financial Network. Previously, Housser worked in the financial services industry, doing private equity investing with Littlejohn & Co., and working in investment banking for Salomon Smith Barney.

His entrepreneurial story started in 2002 after graduating from Stanford Business School, when he was struck with the realization that financial institutions were much more focused on getting people into debt – and keeping them there – than on trying to deliver financial wellness to consumers. In a spare bedroom, along with co-founder Brad Stroh, Freedom Debt Relief, the first of many successful financial service products under the Freedom Financial Network (FFN) umbrella, was born. FFN today is more than 2,200 employees strong, based in San Mateo, California, and Tempe, Arizona. Freedom Financial Network has won Best Places to Work awards in the San Francisco Bay Area and the Phoenix Area multiple times, including the #1 Best Places to Work award in the Phoenix Area for Extra Large Companies in 2016 and 2017.

Outside of Freedom, Housser is a part-time angel investor who sits on the boards of several start-ups and serves on the boards of Phillips Brooks School in Menlo Park, California and Brentwood College School in British Columbia. He has been named to the Silicon Valley 40 under 40 list and is a past winner of the Ernst & Young Entrepreneur of the Year Award for Northern California.

Teresa Dodson
Founder and President of Greenbacks Consulting

Teresa Dodson has over 20 years of executive management experience. Her background includes 11 years of corporate leadership experience in running Advertising agencies who specialize in technology, medical and health industries. The last 15 years, she’s focused on the financial services industry ranging from operations management, industry compliance, software development and creating new business opportunities to help grow and scale existing businesses.

Currently she is the Founder and President of Greenbacks Consulting. Greenbacks Consulting has been providing consulting services to the financial services industry since 2008. Teresa has been focused on the debt settlement industry since 2003. During her time in the industry she served as COO of two large debt settlement companies and has built two more from the ground up.

Teresa has also served as COO of Persolvo Data Systems the first software product of its kind to be developed. This bridged the gap between creditor, collections and debt settlement companies and changed the way they work together today.

Teresa’s success stems from her focus on helping businesses achieve desired levels of growth, demonstrating the ability to combine visionary, strategic, and tactical operational expertise to produce bottom-line results & financial strength.

Daniel Kwiatek
Co-Founder and COO of DMB Financial, LLC.

 With more than 15 years in the debt settlement industry, Dan was one of the architects behind DMB’s consumer-first methodology for restructuring and paying off debt by creating tighter collaboration between creditors, DMB and consumers to drive a mutually beneficial outcome. Prior to co-founding DMB, Dan worked in the collections and debt buying industry. He has used this unique insight into the collections process to build a consumer-optimized process that’s helped tens of thousands of consumers nationwide. He is responsible for overseeing the client services, settlement and IT operations of DMB.

Bradley Smith
CEO and Co-Founder of Rescue One Financial

Bradley Smith is the Co-CEO and Founder of Rescue One Financial, headquartered in Irvine, CA.  Rescue One is a full service financial entity and recently ranked #12 in the Inc. 500. Rescue One Financial helps individuals with unsecured debt and advises them on all of their options.

Rescue One Financial employs over 140 Financial Consultants and is also a Licensed Finance Lender. Smith writes a twice-weekly blog which appears on the Rescue One Financial web site, has authored a number of published articles and is a regular guest contributor to US-based radio and television financial programs. Brad was recently named an Amazon Best Selling author with his book, “Let’s Talk About Debt” which explores our financial system and why consumers continue to feel trapped. Brad has been a long time AFCC board member and is also the Treasurer of the largest Better Business Bureau in the Country.

Smith started his 18 year financial services career on Wall Street where he worked with the largest retail advisory group at Merrill Lynch.  His team was responsible for the largest Rule 144 trade in history selling more than 5 million shares of Walt Disney stock.

They also managed over $2 billion in concentrated stock positions.  Smith later helped pioneer the restricted stock diversification business at Morgan Stanley. Brad and his wife Carrie have three extremely active boys and enjoy living in Southern California.  Brad holds a BA in Economics from the University of Southern California.

Kristie L Medlen
Global Holdings, LLC

Kristie Medlen consults for the partners of Global Holdings, LLC.  Her background includes 32 years of corporate leadership experience, 20 of which have been in the debt settlement industry holding positions such as Executive VP, CEO, and President.  She was a founding executive board member, Treasurer, and Committee Chair for The Association of Settlement Companies, (TASC) and was instrumental in drafting legislation favorable to and testifying on behalf of the industry as well as developing industry standards.

Kristie also worked within the finance industry for eleven years opening new branches in Colorado, Arizona, and California, initiating strategic planning, and managing over $318M on deposit with profit and loss responsibility.  Her responsibilities also included managing branches and business development teams, media planning, buying and creative work for broadcast advertising, facilitating lead generation, presentation, and sale closure processes.

She has also served as Executive Board Member to other companies and has performed independent consulting for business owners and operators.  Her experience encompasses sales, marketing, business development, as well as project and credit management.  Kristie is best known for her commitment to creating compliant, profitable and efficiently run companies.

 

Dr. Diane Chen
Executive Director, Institute of Consumer Money Management (ICMM)

Dr. Diane Chen, Founder of Consumer Education Services Inc. brings her vast experiences in business and education to the Board of Directors. Diane founded CESI in 1998, and served as CEO until stepping down in 2017 after two decades, remaining as CESI’s Board director.

Following her departure from CESI, Diane created a new nonprofit research focused agency, The Institute of Consumer Money Management (ICMM). Diane is currently the Executive Director and Board member of ICMM. You can find information about ICMM at www.icmmnc.org

In August of 2010, Dr. Chen was awarded the prestigious Triangle Business Journal Women in Business award as an Entrepreneur. She was also a recipient of the 2010 Business Leaders Women Extraordinaire award. Dr. Chen, a native of China, played a significant role in establishing the sister state relationship between North Carolina and the Liaoning Province, China. She served as the liaison and interpreter for Governor James Hunt’s trade delegation to China in 1998. In addition, Dr. Chen worked as the International Program Coordinator at Howard Community College in Maryland from 1994 to 1996. Prior to founding CESI in 1998, Dr. Chen was the President of New China Development Corporation for six years. In that capacity, she helped many North Carolina businesses, government agencies, and educational institutions establish partnerships with China and worked as a consultant to facilitate the trade and business missions between the US and China.

Dr. Chen earned both her Master and Doctorate degrees in adult education from North Carolina State University in 1993 and 1995 respectively. She currently holds positions as Advisory Board Members of First Citizens Bank and Enterprising Women Magazine. In addition, she is a member of the Advisory Board of National Foundation of Credit Counseling, and a board member of the Unitarian Universalist Fellowship of Raleigh.

Andrea K. Mitchell
Managing Partner and a founding member of Mitchell Sandler LLC

Andrea Mitchell is the Managing Partner and a founding member of Mitchell Sandler LLC. Andrea is a nationally recognized adviser to banks, financial service companies and third-party service providers on enforcement and regulatory compliance matters. She represents clients throughout the country on fair lending, fair servicing, and responsible banking issues, including matters that involve disparate impact, disparate treatment or unfair, deceptive, or abusive acts and practices (UDAAP).  Her work in this area includes advising on redlining, pricing, underAndrea Mitchell is the Managing Partner and a founding member of Mitchell Sandler LLC. Andrea is a nationally recognized adviser to banks, financial service companies and third-party service providers on enforcement and regulatory compliance matters. She represents clients throughout the country on fair lending, fair servicing, and responsible banking issues, including matters that involve disparate impact, disparate treatment or unfair, deceptive, or abusive acts and practices (UDAAP).  Her work in this area includes advising on redlining, pricing, underwriting, steering, product development, sales and marketing, social media, overdraft and other deposit account practices, credit reporting, servicing, collections, and loss mitigation.

Andrea has extensive experience in counseling clients on regulatory compliance, compli-ance risk management with respect to the Equal Credit Opportunity Act (ECOA), Fair Hous-ing Act (FHA), Truth in Savings Act, Fair Credit Reporting Act (FCRA), Electronic Fund Trans-fer Act (EFTA), UDAAP laws and other consumer protection laws. She frequently advises clients on board governance and bank regulatory issues, including supervisory appeals, merger and acquisition strategy, supervisory relations, and examination management.   She also assists banks with their transitions into Consumer Financial Protection Bureau jurisdiction upon crossing $10 billion in assets and with applications to change primary bank regulators.

Andrea has conducted enterprise-wide internal investigations and served as lead counsel on dozens of government investigations and enforcement matters. She has extensive experience in cases involving the Consumer Financial Protection Bureau, Department of Justice, Federal Reserve Board, Office of the Comptroller of the Currency, Federal Deposit Insurance Corporation, Federal Trade Commission, Department of Housing and Urban Development, state attorneys general, and state civil rights commissions.

Chambers USA has named Andrea a Recognized Practitioner in the area of Financial Services Regulation: Consumer Finance (Compliance). Legal 500 has recognized her for Financial Services: Regulation, and Best Lawyers recognized her for Banking and Finance Law.  She is a Fellow of the American College of Consumer Financial Services Lawyers.

Andrea is a frequent speaker at conferences and seminars on fair lending, UDAAP, exam-ination and enforcement hot topics, and CFPB matters.  She has been a member of the American Bankers Association Regulatory Compliance Conference Fair Lending Workshop faculty since 2011, and was a contributor to the ABA’s Fair Lending Toolbox.

Andrea holds a J.D. from American University-Washington College of Law, summa cum laude, and a B.A. from the University of Wisconsin-Madison.  She earned a varsity letter in women’s rowing.writing, steering, product development, sales and marketing, social media, overdraft and other deposit account practices, credit reporting, servicing, collections, and loss mitigation.

David Green
Founder and CEO of Greenwise Financial

David Green is the founder and CEO of Greenwise Financial, which is headquartered in Boca Raton, FL. Greenwise is a nationwide debt resolution firm focused on restoring financial independence to American consumers.

David has over 15 years of executive experience across marketing, sales and custom-er service.

Prior to founding Greenwise, David spent the early part of his career building the per-formance marketing division for a national digital advertising firm.

In 2008, David recognized an opportunity amid a growing need of debt relief services. David joined a small firm that recently entered the space and was in charge of the firms marketing activities and quickly was able to increase efficiencies and drastically reduce cost per acquisition. This set the company up for exponential growth over the next few years. As the firm grew rapidly, David in addition to being the senior executive managing all aspects of marketing and customer acquisition, became responsible for developing and growing the newly launched servicing vertical.

In 2017, David made the decision to start his own firm – Greenwise Financial. Since in-ception Greenwise has experienced significant growth which is poised to continue as Greenwise Continues to fulfill its mission of being a compassionate ally for all Ameri-cans facing financial hardship.

David lives in Delray Beach, FL with his wife Shannon and two daughters Elle and Chloe. David holds a BS in Political Science from the University of South Florida.

Dan Frazier
CEO of Century Support Services

Dan Frazier is the CEO of Century Support Services, located in Pittsburgh, PA. Century has been assisting consumers with their unsecured debts since 2003. Led by a team of seasoned experts with an average of 12+ years of experience in the Debt Settlement Industry, Century has over 200 team members that support our clients on their debt relief journey.
Dan Frazier has over 26 years of executive leadership experience with financial services and technology companies, in both the public and private sector, across the banking, mortgage, payments and education industries. Dan joined Century Support Services in 2017 as Chief Executive Officer and is responsible for the overall performance of the organization and support of its leadership in the Debt Settlement industry.
Prior to joining Century, Dan served as the Chief Operating Officer at ECSI, a Global Payments company providing loan servicing, business outsourcing and payment processing services to over 1,500 colleges and universities across the country as well as the Department of Education. Previously, Dan was the Senior Vice President of Strategy at Servicelink, a Fidelity National Financial company providing mortgage servicing solutions to the mortgage originations and default market.
Throughout Dan’s career, his focus has been on providing a great customer experience, developing product innovation, and promoting growth and learning for his employees and clients. Dan earned his BA in Accounting from Duquesne University in Pittsburgh, PA where he currently resides with his wife and 2 children.