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Howard Dvorkin is a CPA, author, national columnist, and founder of the nation’s fourth-largest credit counseling agency. He has controversially advocated a cash-only lifestyle without credit cards. Dvorkin founded Consolidated Credit in 1993 in Fort Lauderdale, Florida. It earned an A-plus rating from the Better Business Bureau〔“(BBB Business Review ),” Better Business Bureau〕 and eventually grew to be one to the largest counseling and consolidation firms, behind Money Management International, CredAbility, and GreenPath.〔“(Top 10 nonprofit consumer credit counseling agencies ),” CreditCards.com (Feb. 4, 2013)〕 Dvorkin has written two books: (Credit Hell ) (Wiley, 2005) and (Power Up ) (Wiley, 2013). He is a regular personal finance contributor to Fox Business 〔(Howard Dvorkin |Fox Business )〕 and has been quoted as a financial expert by The New York Times,〔“(Starting to Build a Credit History ),” The New York Times (Jan. 23, 2014)〕 NBC News,〔“(Consumer face challenges in handling debt ),” NBC News (July 5, 2006)〕 CNN,〔(Click here to be debt-free ),” CNN (June 18, 2002)〕 and Bankrate,〔“(Spotlight: Howard Dvorkin ),” Bankrate (Feb 28, 2008)〕 among other national media outlets. After watching his company’s clients struggle with credit card debt, Dvorkin concluded, “Learning to live without a credit card is an integral part of financial empowerment....It’s about cash and discipline. Those who don’t use credit cards take money much more seriously than credit card users. The act of physically handing over the dollars and cents to a cashier or waitress generates a feeling of loss."〔“A Life without Credit Cards,” Page 78, (Power Up ) (Wiley, 2013)〕 This opinion has stood in stark contrast to the ever-increasing U.S. consumers’ love of credit cards,〔"(For shoppers, cash is back in vogue )," CNN (2008)〕 and their increasing debt. In 2012, those consumers had an average 3.7 cards and an unpaid balance of over $5,600.〔“(Insights: American Financial Capability ),” FINRA (April 2012)〕 Meanwhile, credit card debt totaled nearly $800 billion. Shocked at these numbers and U.S. consumers’ lack of financial education,〔“(Our mission: Teach outside the classroom ),” Debt.com (July 7, 2014)〕 Dvorkin announced in 2013 that he was stepping down as Consolidated Credit’s spokesperson to launch (Debt.com ), an educational and news site covering consumer debt with the goal to "build an Angie’s List or a Better Business Bureau solely focused on debt, debt relief products, for all types of debt relief."〔“(Building A Business As A Consumer Advocate, Q&A With Financial Expert Howard Dvorkin ),” Forbes ( Nov. 28, 2015)〕 ==References== 抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』 ■ウィキペディアで「Howard Dvorkin」の詳細全文を読む スポンサード リンク
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