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Howard Dvorkin

Chairman at Debt.com
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Personal Finance Expert & Debt Counseling

No retreat, no surrender. Howard S. Dvorkin lives by those words. They come from his favorite musical artist, Bruce Springsteen. That’s how he approaches all his endeavors: entrepreneurship, two-time author, personal finance expert, community service champion and Chairman of Debt.com.

Howard is one of the most highly regarded debt and credit expert in the United States and has played an instrumental role in drafting both State and Federal Legislation. He is a former consultant to the Board of Directors for the Association of Credit Counseling Professionals (ACCPros) and is the past president of the Association of Independent Consumer Credit Counseling Agencies (AICCCA).

Howard’s success in the financial industry has allowed him to be interviewed by countless media outlets over the years including The New York Times, Fortune, Entrepreneur, The American Banker, Investor’s Business Daily, and virtually every national and local newspaper in the country. He has also appeared as a finance expert on national and local television and radio programs, including the CBS Nightly News, ABC World News Tonight, The Early Show, Fox News, and CNN.

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  • Debt Settlement vs. Consolidation: Expert Insights from Howard Dvorkin
    Howard warns against companies making "wild promises." Look for free consultations and avoid upfront fees. Misconceptions persist due to past industry issues, but the American Association for Debt Resolution has improved reliability.
  • Maximize Financial Health with Smart Credit Card Use
    Howard advises using rewards cards and paying off balances monthly for "guaranteed free money." This boosts credit scores by improving payment history and reducing debt. He likens credit cards to wine: beneficial in moderation but risky if overused. For those struggling, he suggests seeking professional help to manage debt effectively.
  • Debt Relief Options: Expert Advice from Howard Dvorkin
    Howard advises that a Debt Management Program (DMP) is the least impactful solution, reducing payments and interest rates. Bankruptcy is a last resort, while debt settlement offers a middle ground. Consulting a professional is crucial to determine the best option, akin to visiting a "debt doctor" for the least costly and uncomfortable cure.
Recent Quotes
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  • Think of recession-proofing your life like you would hurricane-proof your home. If a storm is days away, and I ask you where the hurricane shutters are, the worst answer you could give me is, 'I think I have some in the garage, but maybe I need to buy some more.’ By then, it’s too late, and any exposed window could spell doom. Recessions work the same way, except their devastation can last months and linger for years.

  • Credit utilization is the amount of credit you're using relative to the total credit line you have available.

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