CHARACTER BIOS:

John Ballew
John Ballew has spent over fifteen years as a manager in the retail banking industry. Mr. Ballew lives in New Albany, Indiana.

Chris & Luke
Chris & Luke became national media sensations in 2001 when they sold themselves as human billboards to FirstUSA, then a division of Bank One, in order to pay for college. Chris and Luke previously appeared in the award-winning Sundance Film, The Corporation.

Helena Durst
Helena Durst is an executive with the Durst Organization, a major real-estate developer based in New York City. Her grandfather, Seymour, is credited with revitalizing Sixth Avenue into the "Avenue of the Americas". He also built the original debt clock in 1988, which presently counts up the national debt from a perch on one of the company's skyscrapers.

Doris Gohman
Doris Gohman is a stay-at-home wife from Clearlake, Minnesota. In 2004, the country's three major credit bureaus mistakenly reported that she was deceased. They have yet to correct the error and Gohman is currently suing.

Alan Greenspan
Alan Greenspan is the former chairman of the Federal Reserve Bank.

Bud Hibbs
Bud Hibbs is a nationally recognized consumer advocate who has written several books and appeared on The Oprah Winfrey Show. Mr. Hibbs is currently in discussions to launch a nationally syndicated radio show. His website, www.budhibbs.com, is one of the most popular consumer financial sites on the Internet.

Mike Hudson
Mike Hudson is a former investigative journalist for the Roanoke Times in Roanoke, Virginia, and author of Merchants of Misery, an expose of the predatory lending practices of large financial institutions. Mr. Hudson is currently a contributing writer on a series of articles on Ameriquest, the country's largest mortgage lender, for The Los Angeles Times.

Robert Johnson & Chris Winkler
Robert Johnson and Chris Winkler are co-founders and managing partners of People First Recoveries, a Minneapolis based collections and debt purchasing firm. Over the past twelve months, People First has grown from a staff of five collectors to 44 collectors.

Robin Leach
Robin Leach is one of the most recognized television personalities in the world. A founding editor of both People and Star magazines, Mr. Leach vaulted to stardom when the two-hour special he co-conceived, Lifestyles of the Rich & Famous, became a pop culture phenomenon and paved the way for the celebrity lifestyle shows which have followed, including Cribs, The Fabulous Life and Rich Girls.

Brian Lurie
Brian Lurie is the owner of the Kirkland, Washington-based Yuppie Pawn Shop, which he founded twelve years ago.

Suze Orman
Suze Orman is best known as Oprah Winfrey's consumer finance guru. She is the author of several best-selling books, most recently The Money Book for the Young, Fabulous and Broke. She is also the host of The Suze Orman Show on MSNBC.

Dave Ramsey
Dave Ramsey is a born-again Christian financial guru based in Nashville, Tennessee. His radio show reaches millions of listeners in over 260 cities in the United States and he has written three New York Times best-selling books, including The Total Money Makeover. Dave is also dean of "Financial Peace University"—a monthlong course that teaches people to manage their finances responsibly. He has been featured on such programs as 60 Minutes and is a frequent speaker to large audiences around the country via his "LIVE" series of concerts.

Richard Shelby
Richard Shelby is the senior United States Senator from Alabama and chairman of the Senate Banking Committee.

David Szwak
David Szwak practices insurance and consumer law at the Shreveport firm of Bodenheimer, Jones & Szwak. He specializes in insurance law and litigation against credit bureaus.

Elizabeth Warren
Elizabeth Warren is a tenured professor at Harvard Law School. She is also the author of two major books: The Fragile Middle Class and the New York Times bestseller, The Two Income Trap. Professor Warren has testified before Congress numerous times and has appeared twice on The Dr. Phil Show.

Julie Williams
Julie Williams is the acting Comptroller of the Currency, the nation's top banking regulator.