I have 19 years of experience, and specialize in the field of personal finance and credit with specific knowledge in the area of consumer credit, credit counseling, credit abuses, debt, debt settlement, loans, mortgages, credit cards, credit counseling, credit repair, credit reports, identity theft, credit reporting, credit scores, debt management, bankruptcy, financial education, credit abuse, non-profit management, credit scores, FICO scores, collections and sub-prime issues. I have published on such topics as credit, credit and money management, personal finance issues and bankruptcy counseling. I have wide experience, national recognition and have been published on many personal finance, credit and debt topics.