Dr. Robert D. Manning Named One Of The Top Personal Finance Experts in US by Cardratings.com

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Cardratings.com, a leader since 1998 in educating consumers about credit cards names Dr. Manning, one of the nation's leading consumer finance advocates, as one of the best in the field of personal finance.

Dr. Robert D. Manning

The Manning Mantra: Just because you CAN doesn't mean that you SHOULD!"

Cardratings.com was founded in 1998 and is devoted to educating consumers about credit cards. A pioneer in the online compilation of consumer evaluations of bank-issued credit cards, Cardratings.com is a leading source of objective credit card rating information. Cardratings.com has frequently reported on the pathbreaking work of Dr. Manning, a leading scholar in consumer finance education as well as a national consumer advocate in promoting consumer protections in the financial services marketplace.

Dr. Manning is best known for his internationally reknown book, CREDIT CARD NATION (2000) which followed his pathbreaking study, "Credit Cards on Campus: The Social Cost of Consumer Debt," released by the Consumer Federation of America in 1999. Widely interviewed in the national and international media and a frequently invited expert witness before US Congressional, federal agency, and state legislative hearings, his research was the basis of the provocative 1997 documentary, "In Debt We Trust: America Before the Bubble Burst." Dr. Manning's research on consumer debt includes the monograph, LIVING With DEBT (2005) and numerous awards including co-winner of the prestigious 2003 George Polk Award which raised the spector of the impending subprime loan debt crisis. He was also one of the earliest forecasters of the 2007 financial meltdown and was instrumental in the enactment of 2010 federal CARD Act. Dr. Manning's ardent advocacy for more stringent regulation of the financial services industry contributed to the momentus 2010 Dodd-Frank Act.

The past Director of the Center for Consumer Financial Services at Rochester Institute of Technology, Dr. Manning, is President and CEO of the Responsible Debt Relief Institute (RDR), a nonprofit company that specializes in the patent-pending, net cash-flow, credit capacity assessment system.

RDR offers unique consumer loan underwriting and debt solutions software, industry leading research, and strategic management consulting. The RDR web-based services system is the basis of his proprietary RDR mortgage modification program for negative equity mortgages, the Debt Resolution Plan (DRP) which offers a "means-tested" alternative to debt settlement programs with the support of the Utah state Attorney General, unique Credit Capacity assessment score as an alternative to conventional credit scores, proprietary tenant screening system, and the pathbreaking MyMoneyEd consumer financial empowerment system that launches in fall 2011. Dr. Manning's revolutionary net cash-flow algorithm/software system will fundamentally change how households manage their personal finances and, ultimately, level the playing field between banks and consumers.

Dr. Manning is also the founder of DebtorWise Foundation, a nonprofit organization dedicated to providing affordable financial education to financially distressed and low-income households. It is the nation's leading provider of online Credit Counseling and Debtor Education courses that are required by the Federal Court for filing consumer bankruptcy. Dr. Manning's most recent monograph examines Walmart's expansion into consumer financial services in the United States with a case-study of Banco Walmart de Mexico.

For more information contact:
Donna Slavin, Director of Special Programs
d.slavin(at)debtorwise(dot)org
(585) 270-8398

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Donna Slavin
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