Robby H. Birnbaum
AFCC President & Partner at the law firm of Greenspoon Marder
Robby H. Birnbaum serves as AFCC President and is a partner at the law firm of Greenspoon Marder in Fort Lauderdale, Florida. He is the nation's leading legal expert on debt settlement companies. Mr. Birnbaum's practice focuses on regulatory compliance and lawful operation of debt settlement companies. He has extensive experience representing all types and sizes of settlement businesses in front of states attorneys' general, state banking and credit regulators, and federal agencies. He has earned the trust and respect of these regulators and his clients through tireless, honest and aggressive work efforts. Mr. Birnbaum focuses on proactive consumer protection and assists companies at delivering high quality lead generation and settlement services while at all times remaining defensible and profitable. Mr. Birnbaum has arranged and lead amicable and productive meetings of AFCC representatives and clients in front of dozens of the country's foremost industry regulators. Mr. Birnbaum earned both his Bachelor's and Law degrees from the University of Wisconsin. He is a member of the Florida and Wisconsin Bar Associations, and is active in various industry and legal associations. In 2012, Mr. Birnbaum was honored as the “Top 40 under 40” by the South Florida Business Journal, and has repeatedly been selected as one of the “Most Effective Attorneys” in Florida.
Bob Linderman
AFCC Vice President & Legal, transactional and regulatory expert
Bob Linderman serves as the Vice President and Legislative Director of AFCC.  Bob has more than 35 years of sophisticated legal, transactional and regulatory experience with a cross-section of businesses ranging from venture-backed startups to public companies, as well as extensive work with consumer, commercial and investment banks and funds. Bob was one of the earliest senior executives at NextCard, a pioneering Internet consumer credit card company/special-purpose bank, and has served as General Counsel to a wide range of financial services businesses. For the past 20 years, Bob has specialized in the legal and business issues that occur at the intersection of media, regulatory and consumer finance activity. Bob earned both his Bachelor's and Law degrees from Boston University, cum laude with distinction. He is a member of both the California and Massachusetts Bar Associations and is an active participant in several professional organizations.
Andrew Housser
Co-founder and Co-CEO of Freedom Financial Network, LLC
Andrew Housser co-founded Freedom Financial Network (FFN) in 2002. Headquartered in San Mateo, CA, FFN provides comprehensive consumer finance resolution services through four divisions:, Freedom Debt Relief, FreedomPlus and ConsolidationPlus. FFN also operates offices in Tempe, Ariz. With more than 1,000 employees, FFN is a multi-year winner as one of the best places to work in both the San Francisco Bay Area and the Phoenix area. Andrew is a past winner of the Northern California Ernst & Young Entrepreneur of the Year Award. Previously, Andrew worked in the financial services industry, doing private equity investing with Littlejohn & Co., a $550 million private equity fund, and also worked in investment banking for Salomon Smith Barney. Andrew received his MBA from Stanford Business School, where he was an Arjay Miller Scholar and he received a B.A. from Dartmouth College Summa Cum Laude and Phi Beta Kappa.
Cindy Sperling
COO of Timberline
Cindy Sperling has served as the COO of Timberline Financial since October of 2012. Cindy has over twenty-three years of experience in operations, corporate development, finance and strategic planning in financial services, venture capital, private equity, media and consulting. Prior to Timberline, Cindy spent ten years with Softbank Capital investing in technology and digital media companies. She began her career with public accounting firm Arthur Andersen and provided public accounting services to the finance, digital media, technology and consumer products industries. Cindy holds a Bachelor of Business Administration from the University of Michigan’s Ross School of Business. She also achieved CPA certification in 1996.
Daniel Kwiatek
Co-Founder and Chief Operating Officer, DMB Financial, LLC.
With more than 15 years in the debt settlement industry, Dan was one of the architects behind DMB’s consumer-first methodology for restructuring and paying off debt by creating tighter collaboration between creditors, DMB and consumers to drive a mutually beneficial outcome. Prior to co-founding DMB, Dan worked in the collections and debt buying industry. He has used this unique insight into the collections process to build a consumer-optimized process that’s helped tens of thousands of consumers nationwide. He is responsible for overseeing the client services, settlement and IT operations of DMB.
David Leuthold
AFCC Board Member
David began his career in the consumer debt industry in 1997 by co-founding Debt Free Seminars Inc., which was the beginning of a national seminar program focusing on strategies and a methodology for living a life free of burdensome debt.   David has been in the debt settlement industry since 1999, and is co-founder of TASC, The Association of Settlement Companies, which was the predecessor to the AFCC.  In his role as an AFCC Board Member David is responsible for AFCC budget and spending matters and meets with legislators and regulators, both at the state and federal level, on matters regarding the industry. In 2001 David helped found the United Consumer Advocacy Network (UCAN).  UCAN defends the rights of consumers against unlawful, unfair, and deceptive practices by financial institutions, particularly creditors and debt collectors. He also founded Century Negotiations, Inc., a provider of debt settlement services. David has a B.S. in Accounting from Penn State. Prior to his career in business David was a senior auditor for the U.S. General Accounting Office. He later served as an executive on the President’s staff in Washington, D.C., working primarily at the Office of Management and Budget, specializing in budget and reorganization matters.
Bradley Smith
CEO and Co-Founder of Rescue One Financial

Bradley Smith is the CEO and a Co-Founder of Rescue One Financial, headquartered in Irvine, CA.  Rescue One is a full service financial entity and recently ranked #12 in the Inc. 500. Rescue One Financial helps individuals with unsecured debt and advises them on all of their options.

Rescue One Financial employs over 75 Financial Consultants and is also a Licensed Finance Lender. Smith writes a twice-weekly blog which appears on the Rescue One Financial web site, has authored a number of published articles and is a regular guest contributor to US-based radio and television financial programs.

Smith started his 18 year financial services career on Wall Street where he worked with the largest retail advisory group at Merrill Lynch.  His team was responsible for the largest Rule 144 trade in history selling more than 5 million shares of Walt Disney stock.

They also managed over $2 billion in concentrated stock positions.  Smith later helped pioneer the restricted stock diversification business at Morgan Stanley. Brad and his wife Carrie have three children and enjoy living in Southern California.  Brad holds a BA in Economics from the University of Southern California.

John Wrinn
Chief Operating Officer for ClearOne Advantage, LLC

John Wrinn has more than 15 years’ experience as a top-performing executive and entrepreneurial leader in the field of specialty financial services; driving new business opportunities and leading innovative startup ventures to record levels of success. John’s visionary direction, broad knowledge base, and critical success have consistently surpassed all financial and market share objectives. 

At ClearOne Advantage, Wrinn leads strategic direction, corporate operations, and financial analysis and planning for this highly successful full-service debt settlement company established in 200. ClearOne Advantage is an accredited member of the American Fair Credit Council and accredited member of the Better Business Bureau.

John Wrinn is a graduate of the University of Delaware and holds a Bachelor of Science in Business Administration degree with an emphasis in Finance and Economics.

Teresa Dodson
COO of Americor Financial
Teresa Dodson has over 20 years of executive management experience. The last 13 years she has been focused on financial services industry ranging from operations management, industry compliance, software development and creating new business opportunities to grow existing business. Currently she is the COO of Americor Financial that provides performance based debt resolution services to consumers. Prior to this she helped launch a performance based debt resolution company Timberline Financial in NYC; along with building out additional financial verticals to assist their consumers. Teresa has also served as COO of Persolvo Data Systems the first software product of its kind to be developed and has revolutionized the way banks and settlement companies do business today. Teresa has run three of the largest debt settlement firms in the country and during those years worked relentlessly trying to bridge the gap between Debt Settlement Companies and Creditors. Teresa's background also includes 10 years of corporate leadership experience in running Advertising agencies who specialize in technology, medical and health industries. Teresa has successfully directed company management in achieving desired levels of growth and demonstrated the ability to combine visionary, strategic, and tactical operational expertise to produce bottom-line results and financial strength.

The AFCC Board at Large

The Board at Large can consist of no more than 30 people representing debt settlement companies, vendors, attorneys, creditors and certified financial planners. The purpose of the Board at Large will be to provide further insight into social and industry issues. They will also have a primary responsibility to support the Executive Board in moving the direction of AFCC towards its mission.