Jim is president of The Rechel Group, Inc., a risk-consulting firm. Over the last 15 years, he has conducted seminars for more than 1,000 professional organizations. He is a Certified Financial Security Officer and on the board of The Institute for Criminal Justice Education. Previously, Jim was vice president for a financial institution in Cincinnati, where he held positions in retail, lending, and as security director. He was a special agent with the FBI for three years.

David Reed, founder of CU Doctor, has nearly two decades of collections and bankruptcy experience representing both debtors and creditors. He is a former bankruptcy attorney, vice president, and general counsel for a large credit union.