Debt Management

Understanding the Life Cycle of Debt

The SMN hosted a discussion on Debt Management and Understanding the Life Cycle of Debt. Many consumers find themselves trapped in a cycle of debt and don't know what options exist or what resources they can trust to get back on track. We invited practitioners and case managers working with clients struggling with debt to come and learn from an expert panel. We covered options for individuals with high debt, rights of individuals who find themselves in collections, and discussed how individuals can begin to re-establish their credit after financial set backs.

Presenters and Topics

Debt Consolidation, Bankruptcy, Charge-offs & Debt Settlements (PPT Presentation)
Rick Harper, Senior Vice President of Program Services, Consumer Credit Counseling Service of SF

Fair Debt Collection Practices  (PPT Presentation)
Dean Graybill, Assistant Regional Director Federal Trade Commission

About Our Speakers

Dean Graybill is Assistant Regional Director in FTC's Western Region in San Francisco. In that capacity he supervisors a wide range of cases and investigations on both the consumer protection and antitrust side. Before taking that position, he handled cases involving the deceptive sale of credit offerings, debt negotiation services, home foreclosure rescue services, and other matters. Mr. Graybill earlier worked in Washington, D.C. as head manager of FTC’s Division of Service Industry Practices (1996-99) and also the Enforcement Division (1992-95).

Rick Harper is the Senior Vice President of Program Services, Rick Harper began his career at CCCS of San Francisco in 1994 as Director of Housing. He was formerly associated with Pacific Coast Savings of San Francisco as Executive Vice President, Chief Lending Officer, and Gateway Bank where he served as President. Mr. Haper is very active in community housing partnerships throughout the San Francisco Bay Area and the development of housing education programs nationwide.