Jen Grondahl Lee, JD, is a successful bankruptcy attorney, who has her own practice, Jen Lee Law, in San Ramon, California. She also assists clients with debt and credit card issues. Her practice is dedicated to helping small businesses and individuals figure out how to deal with debt issues and develop long-term plans for financial stability. Lee helps her clients get back on track by exploring their financial problems and coming up with multiple solutions to get out of debt and restore their credit. Her knowledge about finances, business operations, and budgeting has helped many clients get the fresh start they needed to resolve their financial problems and become successful again. Lee is a member of the National Association of Consumer Bankruptcy Attorneys, American Bankruptcy Institute, local county bar associations, and speaks to various professional organizations on a regular basis.

Gini Graham Scott is a nationally known writer, consultant, speaker, and seminar leader, specializing in business and work relationships, professional and personal development, social trends, popular culture, lifestyles, and criminal justice. Scott has published over 50 books with major publishers, has published 40 books under her own publishing label Changemakers Publishing, primarily on popular business and self-help topics. As a HuffPost regular columnist, she comments on social trends, new technology, and everyday life. Some of her recent articles deal with credit cards and scams. Recent books include Scammed and Lies and Liars: How and Why SociopathsLie and How You Can Detect and Deal with Them. She has received national media exposure for her books, including appearances on Good Morning America, Oprah, Montel Williams, and CNN.