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Credit Abuse Resistance Education

In 2002, the Honorable John C. Ninfo, II, founded C.A.R.E., a personal finance literacy education outreach program that provides interested and caring judges, trustees, attorneys and court staff members from the Bankruptcy Community to high schools and colleges to share with students their unique knowledge and experiences and to provide them with lessons, tactics and techniques they need in order to help them lead a financially responsible, consumer debt-free life.  As of February 2008, the C.A.R.E. Program has a presence in all fifty states and the District of Columbia.  The American Bankruptcy Institute has taken over the management of the program nationally since Judge Ninfo’s retirement in 2011. 

C.A.R.E. is a free financial literacy initiative that makes experienced members of the Bankruptcy Community available to teach the importance of financial education.  These presentations are the perfect supplement to any financial literacy program offered by you or your school, especially to any unit on consumer credit, and they can be made during individual classroom periods or to larger student groups, including senior assemblies.  C.A.R.E.’s primary target is high school seniors and college freshmen who are most at risk because as hungry consumers, they are aggressively marketed by the credit card industry at a time when they carry a very low financial I.Q.

Newly-revised C.A.R.E. materials were published in March 2017.

For additional information, please visit the C.A.R.E. website at Credit Abuse Resistance Education.

Updated:  April 3, 2017