Mission
CARE (Credit Abuse Resistance Education) is a national organization thats designed to alert students and adults to the many consequences of consumer credit abuse. Originally founded in 2002 by U.S. Bankruptcy Court Judge John C. Ninfo II in upstate New York, CARE programs proliferated around the country until 2015 when CARE was organized into its own independent 501(c)(3) not-for-profit organization. CARE developed out of a growing conviction among legal and business professionals that financial literacy in America must improve.The CARE program achieves its mission by providing in-school presentations to students at high schools and colleges, as well as other community groups. Bankruptcy judges, lawyers, bankruptcy trustees, business professionals, and financial services professionals (including TransUnion, one of the big 3 credit bureaus) typically give these presentations. We make these presentations for free, taking time out of our own schedules to meet with students in the school e