(844) 845-4219 new Building

Our Story

About has helped millions of people get out of more than $12 billion in debt! We offer accurate and trusted information on professional debt solutions.

Collectively, our staff of CPAs, certified financial counselors and debt specialists have more than a century of experience in the personal finance field.

Our fact-checked articles and research follow our editorial guidelines and our goal is to make exploring debt relief options simple and safe. is designed for anyone who wishes to have a sound financial future, who wants to get out of debt or stay out of debt. We are here to help you “when life happens.”

Editorial Guidelines’s editorial team writes on behalf of our readers. We value our readers’ trust. Our goal is to help readers make the most of their money and navigate the world of personal finance with a focus on credit and debt issues. We provide readers with accurate and unbiased information.

Our editorial team thoroughly reviews and fact-checks articles to ensure our content meets our high standards. We are serious about our responsibility to provide accurate information. The editorial team regularly interviews internal and external experts and includes quotes in articles and research papers. We cite data from internal and external sources. All quotes and data are from credible and reputable sources. We identify and/or link out to the sources we quote, the data that we reference, and/or other proprietary information from external publications when deemed appropriate and helpful. If have any questions regarding articles or see an inaccuracy, email us at [email protected].

What we do

Financial Education

Education Icon reaches millions of Americans providing expert advice for getting out – and staying out – of debt. Our expert counsel coupled with useful calculators and video education makes understanding money easy and entertaining. While some education aims to sell products, we aim to help Americans find the best solutions to their money issues.


Our one-stop-shop makes exploring options simple and safe. We match people seeking debt solutions with proven companies they can trust. How can they trust them? Those companies sign our Code of Ethics and we constantly monitor our clients’ satisfaction.

Meet the Team

The team is made up of the industry’s most talented financial experts, writers, communicators, marketers, designers, and programmers. Our team has a passion for getting Americans out of debt, and we are committed to helping people create a lifestyle on a solid financial ground. We are committed to diversity and cultivating an exciting working environment where we are continually learning and growing.

Howard Dvorkin - Founder and Chairman

Howard Dvorkin

Founder and Chairman

Howard is a CPA, serial entrepreneur, two-time author, personal finance contributor to Forbes and, and the Chairman of His success has allowed him to be interviewed by media outlets such as the New York Times, Washington Post, Bloomberg, and virtually every newspaper and TV network in the country. Howard has played an instrumental role in drafting both State and Federal Legislation and served as a former consultant to the Board of Directors for the Association of Credit Counseling Professionals as well as president of the Association of Independent Consumer Credit Counseling Agencies.

Howard’s passion for entrepreneurial enterprise is only matched by his dedication to giving back to the community. His commitment hit a pinnacle following the mass shooting at Marjory Stoneman Douglas High School in his hometown of Parkland, FL. In response, he created Parkland Cares which provides funding to non-profit mental health organizations and serves as a centralized resource to help people get connected with crisis counseling, intervention services, short- and long-term therapy, trauma counseling, and more.

Howard graduated from the University of Miami with a Master’s Degree in Business Administration and received his Bachelor of Science Degree in Accounting from American University. He is currently listed in the Marquis Who’s Who in the Finance Industry and is part of the premier group of CPAs who are recognized with the Chartered Global Management Accountant (CGMA) designation.

Don Silvestri- President

Don Silvestri


Don has two decades of experience as a senior executive overseeing all areas of marketing, sales, strategic planning, business and product development.

Don ensures that is fulfilling its mission of assisting consumers in managing and resolving their debts, providing education and advocacy, and promoting fair and ethical practices within the industry. One main objective is to build alliances and partnerships for He is a passionate and committed leader who is dedicated to helping consumers manage their finances and achieve financial stability. He works tirelessly to promote fair and ethical practices within the industry and advocates for policies and programs that support the needs of consumers.

Prior to his business life, Don played for NFL teams including the New York Jets, Buffalo Bills, and Seattle Seahawks. He holds dual degrees in Marketing and Business Administration from the University of Pittsburgh, where he was an Academic All-American. The Pitt Varsity Letter Club named Don a 2021 Awardee of Distinction, and he was recognized as a Foster Care/Social Services Hero in September 2021 in Fort Lauderdale, Florida.

Patrick Devine - Chief Financial Officer

Patrick Devine

Chief Financial Officer

Patrick is a CPA and finance executive with a proven track record of productive cross-functional partnerships delivering results by helping companies transform and grow. He’s worked with ‘big four’ public accounting firms, private equity firms, as well as family-owned agencies. Some of his more recent accomplishments include bringing TTC Healthcare from a private company to a publicly-traded corporation and developing the strategic foundation which helped them grow annual revenue by more than 50 percent post-COVID.

He uses his 20 years of experience analyzing companies to evaluate the people behind them and grow companies starting with culture and operational structure. Patrick has delivered winning corporate strategies since the days when he began his career at the auditing group, Price Waterhouse Coopers. It’s Patrick’s goal to bring that kind of growth and efficiency to Understanding the people within the company is his favorite part of the job. It gives him a greater understanding of the moving parts within each department. “To succeed, it’s really looking at the people within the company and saying, ‘these people embody what is. “What qualities do those people have that make them special? We want to unify them across the board.” Patrick says.

Patrick is a graduate of Loyola Marymount University with a Bachelor of Science in Accounting.

Jon Noble - Chief Marketing Officer

Jon Noble

Chief Revenue Officer

Jon is a seasoned marketing executive focusing on the personal finance and debt industries. He oversees all marketing activities throughout His strong understanding of brand development, sales management, and customer service has allowed to become one of the leading organizations in the debt relief industry.

Jon is a Veteran of the United States Air Force and after his service ended, he worked in the bankruptcy industry. He counseled hundreds of Californians in the “bankruptcy capital of the world.” One of his clients was a couple who were both doctors in Malibu and they charged up more than $100,000 on credit cards.

In the 1990’s there were only two debt solution options: bankruptcy and credit counseling. The major problem Jon saw was this couple earned and owned too much for either solution to make sense. That’s when he started making calls to the client’s credit card companies asking them to settle for less than they owed. Jon became one of the first proponents of a new industry called debt settlement.

He felt there was a real need for consumers where it mathematically made sense for the debt they owed and the amount they could pay. But like many other financial services, there were many of what he calls “opportunistic posers.”

Jon has always felt it was best to help his clients get the services they actually need.

“I come across advertisers, who promise people services they don’t deliver on. That’s not us,” he says. “These are real people who need real help. This is impacting them financially. It’s better when we give them what’s in their best interest.”

Dexter Weatherly - Vice President of Business Development

Dexter Weatherly

Business Development Vice President

Dexter is uniquely positioned to help Americans get out of debt. That’s because he used to help them get into debt.

Over the last decade, Dexter worked with some of the largest lending companies in the country. The experience gives him the ability to easily distinguish the “good actors from the bad ones.”

As the Vice President of Business Development, Dexter doesn’t just partner with other businesses – he turns down many. Dexter analyzes current trends in the debt industry. He focuses on’s customers first and aligns with the right industry players who meet their needs.

“Unfortunately, there are a lot of bad actors in our industry. Many businesses don’t realize that they can be legally liable for referring customers if information is misrepresented,” Dexter says. “When dealing with us, our partners get the best of all worlds. We can handle large volumes while making sure everyone is treated fairly. Our goal is to build long-term relationships that allow us and our partners to grow together.”

Before moving to South Florida, Dexter called Georgia the “Peach State” home. Long before going into sales and business development, Dexter worked in the restaurant industry.

As a graduate of the culinary arts from the New England Institute of Technology, Dexter turned his focus on opening restaurants and catering businesses. He says those skills have evolved into the career he works in today.

Mario Cordon

Chief Marketing Officer

Not many Chief Marketing Officers have a bachelor’s degree in Chemical Engineering with a minor in Industrial Engineering. If any do, they probably haven’t won a dozen awards for television spots they’ve authored. But Mario believes his engineering background is key to his marketing success. 

“I borrow techniques from many disciplines, and I apply them to solve marketing problems,” he says. “For example, my approach to testing is faster than most marketers because I borrow techniques in experimental design from research scientists.”

He also applies sound business tactics, which he learned while earning his MBA at Duke on a full scholarship. No matter what the company, from startups to Fortune 500 companies, Mario’s scientific approach to the creative profession of marketing has elicited proven results.

That’s a good fit at, which is reinventing how Americans can pay off personal debt – and inventing new ways to do so.

Jacob Halverson

Marketing Strategy Director

Six months after Jacob was hired as a graphic design and marketing manager for First National Bank of Omaha Wealth Management, he was promoted and moved into the FNBO Corporate Marketing team, where he was placed in charge of a seven-figure website build and many other large cross-functional projects. That was unusual at the time. Now, it’s the one constant of his career.

That career has included reimagining the digital marketing for Midwest Laboratories, a 14-building campus that provides third-party analysis since 1975, and expanding the marketing department for EAD, an engineering and automation consulting firm that has been involved with more than 10,000 projects since 2001.

Another constant in Jacob’s career has been embracing the latest technology while ensuring it benefits the consumer as much as it eases the workload of his employer. The biggest assignment of his career: Refining Instant Debt Advisor, the most cutting-edge – and quickest – way to get out of debt.  

Guillermo Wolf - Marketing Director

Guillermo Wolf

Marketing Director

Guillermo oversees’s digital advertising efforts to drive sales and build brand awareness. This includes developing marketing plans for both the English and Spanish U.S. markets. He has worked in digital marketing for over twenty years.

Before this, Guillermo opened a digital marketing agency in his home country of Venezuela, where he was a pioneer in the industry. Guillermo had some big clients like Bridgestone-Firestone and Chrysler and helped other non-profit organizations.

Guillermo left for the United States in 2002 and was hired by in 2015. He developed online sales and branding strategies for the United States Hispanic market. He also brought with him a critical point of view, that of a debt management client. Guillermo paid off $23,000 of credit card debt with one of’s programs.

Guillermo still relishes the feeling of being debt-free. He comes to work every day eager to help clients just like himself. “I identify myself with the purpose of this company,” Wolf says. “The program really works. I recommend it to family members and friends. Everyone deserves financial freedom.”


Shannell Martin

Affiliate Marketing Director

As Affiliate Marketing Director, Shannell studies market trends and developments in the personal finance sector. She analyzes, plans, executes and evaluates potential and existing affiliate marketing activities and strategies. Shannell instills in her team that they must be able to communicate the company’s message and goals clearly and confidently to affiliates as well as have the ability to think creatively.

With every marketing campaign, you must have the ability to evaluate the results of the strategies put in place. This enables you to know what works, and what doesn’t and make changes that drive better results. At we use various digital tools to monitor, track and optimize our affiliate marketing efforts. A great affiliate marketer must know when to use them and how to effectively evaluate their results. To that end, Shannell works closely with the internal business analyst team to ensure that appropriate metrics are in place to measure performance and progress toward strategic goals. Shannell shared that “the relationships between affiliate marketers and the affiliates matter a great deal. Excellent affiliate marketers must have excellent interpersonal skills, to maintain a good relationship with publishers.”

As a former medical professional and mentor at the Big Brothers Big Sisters Club of Broward County, Shannell brings a remarkable level of empathy and compassion to her work at She wholeheartedly embraces the opportunity to assist people with one of the most crucial aspects of their lives. What she loves about this industry is the ability to make a positive impact on individuals’ financial well-being.

After experiencing the world of credit and debt firsthand, Shannell emerged with valuable lessons. Armed with a deep understanding of the importance of finances and credit, she is dedicated to helping others achieve financial freedom. Through her work at, Shannell strives to empower individuals and provide them with the tools and knowledge to overcome debt and build a secure financial future.

Michael Koretzky - Editor-in-Chief

Michael Koretzky


Michael is the former editor of Money Talks News and a publisher with the Tribune Media Company. As a professional journalist since 1989, Michael has covered a Democratic and Republican national convention, a couple of Space Shuttle launches, and music festivals in Istanbul and the Cayman Islands. What did they have in common? At some level, they were all about money.

Now he’s a PFE-certified debt management professional who’s cut out the middleman and writes about money for a living. Sometimes this means explaining the difference between DTI and DMP. Other times, it means writing about student loan memes.

Joe Pye

Managing Editor

Joe Pye is the managing editor of and a PFE-certified debt management professional. Pye began writing about debt and personal finance while attending Florida Atlantic University, where he served as Editor-in-Chief of the student-run newspaper and graduated with a bachelor’s degree in multimedia journalism. In his spare time, he runs, South Florida’s only journalistic (and journalism award-winning) craft beer blog.

Pye’s work has been featured on MSN, Mediafeed, Miami New Times, Fort Lauderdale Illustrated, Palm Beach Illustrated, and Aventura Magazine.

Vincent Booth

Operations Director

Whether it’s debt or dancing, Vincent knows every successful business needs to master one element: time.

Vincent spent eight years building Zumba into an international healthy dance craze. As creative operations manager, he handled everything from server structure to planning a corporate cruise. Modest to a fault, Vincent says he possesses one singular skill: “I have a good idea how long a project should take.”

Vincent brought that skill to, where one of his fist tasks was moving the growing business from its scattered rental offices into a new freestanding building just off the Interstate – a seamless move involving multiple business units that disrupted business for a total of a few hours on a single day.

Perhaps one reason Vincent is so attuned to time is that he’s certified in SCUBA – which requires acute attention to detail if you want to keep breathing.

Brian Kelly

Senior Project Manager

“I hate chaos.”

Those three words have inspired Brian’s career. As a project manager and business analyst since 2006, he’s converted chaos into order at companies ranging from investment firms to tech firms. Now he’s helping optimize its revenue streams.

“Because is the leader in its space, it can grow in almost any direction,” Brian says. “My job is to help us maximize our efforts in whatever direction we choose.”

At any one time, Brian is working on one of a dozen projects across’s many opportunities for growth. 

A graduate of the University of Baltimore, Brian got his MBA in Business Administration from Florida Metropolitan University in 2005.

How Much Could You Save?

Just tell us how much you owe, in total, and we’ll estimate your new consolidated monthly payment.