Association of Independent Consumer Credit Counseling Agencies (AICCCA)

Press Release

AICCCA 16th Mid-Winter Conference Offers Exclusive Opportunity to Hear Experts Address Critical Personal Financial Issues

January 21 -23, 2009 - The Palms South Beach - 3025 Collins Avenue - Miami Beach, FL

AICCCA, the largest nonprofit association of consumer credit counseling agencies, will provide AICCCA conference attendees a unique, exclusive opportunity to hear speakers address consumer credit counseling issues. Sessions include: Options for Housing Renegotiations, the Debt Settlement Industry, Reverse Mortgage Pros & Cons

Fairfax, VA - January 8, 2009 — The 16th annual Mid-Winter Conference of the Association of Independent Consumer Credit Counseling Agencies (AICCCA) will be held in Miami Beach January 21-23, 2009 at the Palms South Beach hotel. Credit counselors from across the nation will meet to learn the latest news about critical issues facing the credit counseling industry today.

Continuing the tradition of providing experts who address the issues facing the credit counseling industry that no other industry conference provides, the AICCCA Mid-Winter Conference will again feature speakers with intimate and valuable knowledge of the current consumer credit counseling climate. Sessions will include:

Nicole Julal, Legislative Counsel, NCCUSL -The Uniform Debt Management Services Act: 2008 Changes and 2009 Legislative Update

Faith Schwartz, Executive Director, HOPE NOW Alliance - Options for Housing Renegotiations

Rob Strand, Economist, American Bankers Association - The Debt Settlement Industry

Rigo Carballo, Financial Examiner/Analyst Supervisor, Florida Office of Financial Regulation - Reverse Mortgages: Pros and Cons

Jonathan L. Pompan, Esq., attorney, Venable LLP, will moderate a panel discussion with AICCCA members John Fisher, Todd Ossenfort and Cindy Ferraro- Less than Full Balance DMPs and Other New Alternatives for Consumers

For more information on the AICCCA Mid-Winter Conference, visit www.aiccca.org or call (703) 934-6118.

Founded in 1993, Association of Independent Consumer Credit Counseling Agencies (AICCCA) is a national membership organization, established to promote quality and consistent delivery of credit counseling services. AICCCA and its members are focused on improved creditor relations, efficient processes and advanced technology to best serve clients and creditors. AICCCA members are independent nonprofit agencies that advocate for debtors, counsel millions of consumers annually nationwide and provide debt management services to consumers with excessive unsecured debt. For more information or to contact an AICCCA member office call 866-703-TRUSTAICCCA (866-703-8787) or visit www.aiccca.org.