April 17 -18 Ritz Carlton, New Orleans

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2016 AFCC Spring ConferenceApril 17-18 – Ritz-Carlton, New OrleansConference Title Sponsor:Sunday, April 17, 20161:00-3:00Registration Open3:00-3:30AFCC Welcome and Introduction to the AFCC BoardAFCC Executive BoardOur opening session will outline progress made since our last conference in the fall and theplans for 2016 and 2017.3:30-4:30AFCC Federal and State Legislative UpdateRobby Birnbaum, Greenspoon Marder, AFCC PresidentRobert Linderman, Freedom Debt Relief, AFCC Vice PresidentAs the leading experts on debt settlement compliance and regulation Mr. Birnbaum, thePresident of the American Fair Credit Council and Mr. Linderman, the Vice President of theAmerican Fair Credit Council will provide a state legislative update on Massachusetts andMaryland. These are timely regulatory updates on what every attendee needs to know to runtheir business in a safe and compliant manner. Attendees will have a review the current statusof state laws, consumer protection, the approaches and what to expect from the CFPB, FTCand state regulators, and the latest licensing requirements for the industry. Mr. Birnbaum willalso review new marketing approaches and their compliance requirements.4:30- 5:00Veritas Legal Plan – How a Performance Model Can Offer Protection fromLawsuitsAngelo Anzalone, Owner Veritas Legal5:00-7:00AFCC Opening Cocktail Reception - Sponsored by Veritas Legal Plan

2016 AFCC Spring ConferenceApril 17-18 – Ritz-Carlton, New OrleansConference Title Sponsor:Monday, April 18, 20168:00-9:00Breakfast- Sponsored by VERITAS LEGAL9:00-10:00Heartburn Avoidance “What every owner needs to know about the Telephone ConsumerProtection Act (TCPA)”Robby Birnbaum, AFCC President & Partner Greenspoon MarderIn 2013 the Federal Communications Commission (FCC) amended its Telephone ConsumerProtection Act to prohibit dialing systems – like the ones you probably use- from dialing anycellular phone numbers or sending text messages to consumers and to existingcustomers. Since the amendment took effect, there has been a significant rise in TCPA lawsuitsand class actions filed against debt relief providers for using the most typical dialing systemsand marketing techniques. For 18 years, Robby Birnbaum has been helping his clients withTCPA compliance deal with and prevent claims on these exact issues. Learn exactly what youneed to know about cutting edge developments and technology to avoid such claims, how tostay out of the line of fire, and keep your response rates where you need them. You will learnabout the plaintiffs and lists that will help you avoid them, and how to balance compliancewith your dialing systems and lead providers.10:00-10:30Following the CFPB’s Recent Data Security Action and What This Means forthe Debt Settlement IndustryFelix Shipkevich, Principal of Shipkevich PLLCFelix Shipkevich will discuss how industry members can improve data security practices byhaving privacy policies that match privacy practices, implement employee training andpractices that ensure compliance and avoiding some of the pitfalls that come up whencontracting with third-party vendors who can leave your customers’ information vulnerableto breaches.10:30-11:00Networking Break – Sponsored by Leadsconnection

2016 AFCC Spring ConferenceApril 17-18 – Ritz-Carlton, New OrleansConference Title Sponsor:11:00-12:00KEYNOTE: Debt Settlement and Ohio: Are We In or Out?Senator Bill Seitz (R-Cincinnati) OHKurt Leib, AFCC lobbyist and a partner in Capitol AdvocatesJoin Senator Bill Seitz (R-Cincinnati), sponsor of Ohio SB 226, and Kurt Leib, AFCC lobbyist and apartner in Capitol Advocates, for an in depth discussion on the challenges associated withpassing legislation to authorize and allow debt settlement services in the Buckeye State. Theywill share insights into the process involved in advancing legislation in the face of stiffopposition from the bankruptcy bar and credit counseling industry - presently the only optionsavailable to consumers with crushing personal unsecured debt burden. Sen. Seitz, a practicingattorney, has broken ranks with many of his colleagues in the profession who maintain thatproviding debt settlement services constitutes the unauthorized practice of law. Ohio is theonly state where this unique argument intended to keep debt settlement out of the state hasbeen raised.12:00-12:30Tax Resolution: How to Add This Vertical to Your Business and Provide MoreValue for Your Clients!Michael D. Sullivan, Former IRS Agent, Founder of Fresh Start Tax LLCFresh Start Tax LLC is a nationwide, A rated BBB tax resolution firm. In this session you’ll learnhow to be able to provide this service to your debt settlement clients that need tax help aswell. It’s much easier than you think!12:30-1:30LUNCH– Sponsored by Rescue One Financial1:30-2:30CFPB and the Debt Settlement Industry (Live, not Skype)John McNamara, Debt Collections Program Manager, CFPBVanessa Megaw, Financial Analyst for the Installment Lending and Collections Market,CFPBJohn McNamara and Vanessa Megaw will discuss the latest actions that have taken place in thedebt settlement industry post TSR. As well as how the current activities and expectations of theBureau pertain to debt settlement and collection industries. John is an expert on debtcollection practices and acts as a liaison between the CFPB and both the collection industry andconsumer advocates.

2016 AFCC Spring ConferenceApril 17-18 – Ritz-Carlton, New OrleansConference Title Sponsor:2:30 – 3:00How important understanding credit data and credit scoring for debtsettlement customers is and why point deduction technology will impactcustomers entering and exiting the programRusty Bresse, CEO Crednology Holding CorpPoint Deduction Technology is Scientific Analytical Mathematical Software, based on rigorouscredit weight algorithms, analyzes credit data to identify where the impacts are placed on acredit file. The software analyzes an electronic version of a credit report and assigns a pointdeduction number per item, both positive and negative. The numbers assigned range from 0 to100 depending on the type accounts being reported. The software also determines wheremost errors occur on a credit report and how many points may be recovered by having thecredit data corrected. Learn steps on overcoming consumer credit score fears to close moredeals while adding another revenue stream.3:00-3:30What a Debt Collector Sees About Your Client, That You Don'tPhillip Duff, Owner Lighthouse ConsultingIn this session you will gain Insight into the mind of a debt collector and the data they relyon. Be given a higher understanding of the flow or movement of accounts between collectorsand law firms. Understand why clean data is important and how to mine your clean data todecrease the days to settlement. Learn how to use analytics to get faster settlements.3:30-4:00Afternoon Networking Break – Sponsored by Reliant Account Management4:00- 4:30“What’s Next?” - Restoring and Rebuilding Credit Post-Debt SettlementDamon DeCrescenzo, CEO Credit ProsJason Kaplan, President & Compliance Officer Credit ProsIn this discussion, we will discuss the importance of credit repair after the debt settlementprocess as a complimentary monetization path and a key way to continue to provide value toyour clients. See will also address general credit repair compliance requirements and thebenefit of engaging a vetted credit repair organization vs. “going it alone”.

2016 AFCC Spring ConferenceApril 17-18 – Ritz-Carlton, New OrleansConference Title Sponsor:4:30-5:00IAPDA - The history, course content and features of IAPDA CertificationTraining Programs for Debt Relief Professionals and the benefits of trainingand certification to their companyLaurence Larose, Founder and Executive Director of IAPDA“A detailed look inside IAPDA training and certification programs for debt relief professionals.Beginning with the history of IAPDA, a summary of the content of each training course moduleand the many benefits of training and certification to companies and individuals.5:00-7:00AFCC Closing Cocktail Reception– Sponsored by Crossroads FinancialTechnologies

Rusty Bresse, CEO Crednology Holding Corp Point Deduction Technology is Scientific Analytical Mathematical Software, based on rigorous credit weight algorithms, analyzes credit data to identify where the impacts are placed on a credit file. The software analyzes an electronic versio