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Credit Abuse Resistance Education (CARE) Program


Founded in 2002 by now-retired US Bankruptcy Court Judge John C. Ninfo II, Credit Abuse Resistance Education (CARE) was created to teach students about the responsible use of credit and the consequences of credit card abuse. Upon his retirement, Judge Ninfo turned CARE over to the American Bankruptcy Institute in Alexandria, VA, where it expanded and developed into a nationally branded organization. In 2016, CARE received its 501(c)(3) status from the IRS and has emerged as a national nonprofit community service organization dedicated to inspiring smart financial decision making by students and young adults.

Program Overview

CARE is a national leader in financial literacy education.  In connection with the Colorado Bankruptcy Court, the Wyoming Bankruptcy Court and Chapter 13 Trustee, Adam Goodman, CARE Denver offers free presentations from professional volunteers, including bankruptcy judges, trustees, and attorneys.  Presentations are focused on providing information and resources to help young consumers make smart decisions. The curriculum covers three core personal financial management topics: budgeting, credit and student loans. 

Get Involved

To request a presentation or to register as a volunteer presenter, email

Additional Resources

Local CARE Program Brochure

National Credit Abuse Resistance Education Program

United States Courts Financial Literacy Resources