first we're going to have jeff ehrlich. any consumer who is facing mounting, unsecured debt is looking for ways to lower that debt or try to settle that debt, there are a number of schemes out there that try to take advantage of these financially distressed consumers. and jeff is going to talk about at least some of those types of schemes, and then i will pull out some of the other variations of that scheme. jeff currently is at the cfpb, he joined in july 2011. he is the assistant litigation deputy for failed litigation in the enforcement shop. before joining, jeff was a trial attorney at the u.s. department of justice where he defended the u.s. in tort litigation, including suits seeking to hold the government liable for losses resulting from hurricane katrina, as well as bernie madoff's ponzi scheme. before that he was an assistant county attorney for miami-dade county and he clerked for the honorable james lawrence king in the southern district of florida. now, after jam, our attorney from the federal trade commission w

first, we're going to have jeff ehrlich discuss debt relief scams. any consumer who is facing mounting, unsecured debt is looking for ways to lower that debt or try and settle that debt, there are a number of schemes out there that try to take advantage of these financially-distressed consumers, and jeff is going to talk about at least some of those types of schemes, and then i will, after that, ask a couple qs and as to pull out some of the other variations of that scheme. jeff currently is at the cfpb, the consumer financial protection bureau. he joined in july 2011. he is the assistant litigation deputy for failed litigation in the cfpb's enforcement shop. before joining the cfpb, jeff was a trial attorney at the u.s. department of justice i where he defended the u.s. in tort litigation with including suits seeking to hold the government liable for losses resulting from hurricane katrina as well as bernie madoff's ponzi scheme. before that he was an assistant county attorney for miami-dade county, an associate here in washington, d.c., and he cler