AADR Board Members

Dan Frazier is the AADR Chairman as well as CEO of Century Support Services, located in Pittsburgh, PA. Century has been assisting consumers with their unsecured debts since 2003. Led by a team of seasoned experts with an average of 12+ years of experience in the Debt Settlement Industry, Century has over 200 team members that support our clients on their debt relief journey. Dan Frazier has over 26 years of executive leadership experience with financial services and technology companies, in both the public and private sector, across the banking, mortgage, payments and education industries. Dan joined Century Support Services in 2017 as Chief Executive Officer and is responsible for the overall performance of the organization and support of its leadership in the Debt Settlement industry. Prior to joining Century, Dan served as the Chief Operating Officer at ECSI, a Global Payments company providing loan servicing, business outsourcing and payment processing services to over 1,500 colleges and universities across the country as well as the Department of Education. Previously, Dan was the Senior Vice President of Strategy at Servicelink, a Fidelity National Financial company providing mortgage servicing solutions to the mortgage originations and default market. Throughout Dan’s career, his focus has been on providing a great customer experience, developing product innovation, and promoting growth and learning for his employees and clients. Dan earned his BA in Accounting from Duquesne University in Pittsburgh, PA where he currently resides with his wife and 2 children.

Robby H. Birnbaum serves as AADR Vice Chairman and is a partner at the law firm of Greenspoon Marder in Fort Lauderdale, Florida. He is the nation’s leading legal expert on debt settlement companies. Mr. Birnbaum’s practice focuses on regulatory compliance and lawful operation of debt settlement companies. He has extensive experience representing all types and sizes of settlement businesses in front of states attorneys’ general, state banking and credit regulators, and federal agencies. He has earned the trust and respect of these regulators and his clients through tireless, honest and aggressive work efforts. Mr. Birnbaum’s firm represents over 150 debt settlement companies, nationally and internationally, that require in depth state and federal regulatory compliance services, marketing and advertising review, licensing, startup and business planning, and overall legal support. Mr. Birnbaum has worked on debt settlement issues in every state in the US, representing companies in both proactive compliance planning and assistance, and defense of regulatory claims and actions. Mr. Birnbaum is backed up by a team of eight attorneys and five paralegals that eliminate the “learning curve” and deliver immediate, accurate and efficient information, representation, and answers that companies need to run their businesses. Mr. Birnbaum has represented clients in front of state banking and financial commissions, Attorneys’ General, the Federal Trade Commission, Federal Communications Commission, and various other regulatory bodies. For over 20 years, the firm’s licensing division has processed thousands of state and federal applications, many for debt adjustment companies. Relating to the more recent licensing laws enacted in Pennsylvania, Texas, Maryland and elsewhere, the firm maintains extensive resources, client checklists and charts, and compliance tracking systems to relieve companies of the burdens their requirements impose. All of these services are available electronically to our clients. Greenspoon Marder Law, on an annual basis, publishes the most comprehensive guidebook for business owners in the debt settlement industry. Throughout the year, Mr. Birnbaum updates the materials, and hosts all-client conference calls alerting the firm’s clients to the most recent changes in the industry, and best practices. Additionally, the firm sends out frequent email reminders and updates to all of its debt settlement clients on the latest important and timely issues. The firm engages aggressively in strategic analysis of state legal issues, and provides detailed risk analysis to its clients so that they may make informed decisions and avoid the guess work prevalent in this uncertain and developing industry. Debt adjustment law review, credit repair analysis and implementation, prevention of UPL concerns, marketing licenses, privacy and business practices, and loss mitigation attorneys also support the firm’s debt settlement services. Mr. Birnbaum has appeared as a guest and written a number of articles for major media outlets on the importance of debt settlement. Mr. Birnbaum is a Contributor to CNN, and has appeared nationally on CNN’s American Morning with the Florida Attorney General on the benefits of the industry. The firm maintains productive working relationships with regulators throughout the FTC and all state agencies to help in handling all types of client concerns. The firm also assists in private investments into debt settlement companies. In the last few years, the firm assisted in over $100 million of private equity fund investments into various debt settlement companies. Mr. Birnbaum serves as the elected President of the American Fair Credit Council, the debt settlement industry’s trade association, and regularly presents to the membership on compliance and best practices.

Bradley Smith is the AADR Treasurer as well as Co-CEO and Founder of Rescue One Financial, headquartered in Irvine, CA.  Rescue One is a full-service financial entity and recently ranked #12 in the Inc. 500. Rescue One Financial helps individuals with unsecured debt and advises them on all of their options. Rescue One Financial employs over 140 Financial Consultants and is also a Licensed Finance Lender. Smith writes a twice-weekly blog which appears on the Rescue One Financial web site, has authored a number of published articles and is a regular guest contributor to US-based radio and television financial programs. Brad was recently named an Amazon Best Selling author with his book, “Let’s Talk About Debt” which explores our financial system and why consumers continue to feel trapped. Brad has been a long time AFCC board member and is also the Treasurer of the largest Better Business Bureau in the Country. Smith started his 18-year financial services career on Wall Street where he worked with the largest retail advisory group at Merrill Lynch.  His team was responsible for the largest Rule 144 trade in history selling more than 5 million shares of Walt Disney stock. They also managed over $2 billion in concentrated stock positions.  Smith later helped pioneer the restricted stock diversification business at Morgan Stanley. Brad and his wife Carrie have three extremely active boys and enjoy living in Southern California.  Brad holds a BA in Economics from the University of Southern California.

David Green is the founder and CEO of Greenwise Financial, which is headquartered in Boca Raton, FL. Greenwise is a nationwide debt resolution firm focused on restoring financial independence to American consumers. David has over 15 years of executive experience across marketing, sales, and customer service. Prior to founding Greenwise, David spent the early part of his career building the performance marketing division for a national digital advertising firm. In 2008, David recognized an opportunity amid a growing need of debt relief services. David joined a small firm that recently entered the space and was in charge of the firms marketing activities and quickly was able to increase efficiencies and drastically reduce cost per acquisition. This set the company up for exponential growth over the next few years. As the firm grew rapidly, David in addition to being the senior executive managing all aspects of marketing and customer acquisition, became responsible for developing and growing the newly launched servicing vertical. In 2017, David made the decision to start his own firm – Greenwise Financial. Since inception Greenwise has experienced significant growth which is poised to continue as Greenwise Continues to fulfill its mission of being a compassionate ally for all Americans facing financial hardship. David lives in Delray Beach, FL with his wife Shannon and two daughters Elle and Chloe. David holds a BS in Political Science from the University of South Florida.

Natalia (Nat) Brown joined National Debt Relief (NDR) in 2010 as the 12^th employee for the organization. She is a certified debt specialist, has risen through the organization over the last 14 years and has become a powerhouse in the financial community. Nat is now its Chief Compliance and Consumer Affairs Officer, focusing on representing and advocating for the company’s clients by ensuring NDR upholds and follows best-in-class practices.

Prior to her current role, Nat served as Chief Client Operations Officer, where she played a vital role in NDR’s client journey, overseeing all client-facing operations of the business. She managed a team of more than 400 representatives, servicing more than 200,000 clients on their path to financial stability with an unmatched level of support and guidance. Before that, Nat held various positions of increasing responsibility across client-focused teams, including Client Success, Training and Development, and Negotiations. Nat is passionate about helping people with the financial literacy and education needed to achieve financial freedom and peace of mind by getting, and staying, out of debt.

Beyond her dynamic role at NDR, Nat channels her passion for supporting and empowering underserved communities through extensive volunteerism across numerous nonprofits and industry organizations.

Nat holds a bachelor’s degree in accounting from Lehman College and is pursuing a master’s in operations and project management from Southern New Hampshire University. She is a native New Yorker and a devoted mother to two sons who inspire her to be the best she can every day.

Mohit Sofat is Vice President of Operations for Enterprise Payments and General Manager for CFTPay at Priority Technology Holdings (PRTH) based in Atlanta, GA.  In this role, Mohit is responsible for managing and running the entire business operations of CFTPay along with new business development. As a VP of Operations for Enterprise Payments, he is responsible for onboarding, implementing, and building a support structure for all new Enterprise Partners.

Mohit has led the business operations at CFTPay for over a decade which consists of a team of over 250+ people in the US & offshore.

Mohit Sofat has received his Master of Business Administration in Business Operations and Corporate Strategy from The Chester University, United Kingdom and has over 20+ years of experience in the Banking and Financial sector.

Sean joined Freedom Financial in 2013 and has led Freedom Debt Relief (“FDR”) through a significant growth period, more than quintupling the business.  FDR has served over 900,000 clients and resolved over $12 Billion in consumer debt. In addition to debt settlement, Freedom Financial offers a suite of debt solutions for everyday Americans, including personal consolidation and home equity loans. Prior to Freedom, Sean served as Chief Operating Officer for Reply! Inc., a leading online marketing platform and was President of the social networking start-up Connecting Neighbors, which was purchased by Reply! in 2005.  Sean began his business career in 1998 with the start-up bamboo.com, which introduced “virtual tours” to the real estate and hospitality industries. That company went public in 1999 and then combined with its largest competitor to create Internet Pictures Corporation (iPix), where Sean served as VP of Sales and Strategic Alliances. Sean holds a J.D. from Georgetown Law School, a master’s degree from Cambridge University, and two bachelor’s degrees from Stanford University.  

Andrew Schmidtke joined Global in August 2022 as Chief Operating Officer. His responsibilities include New Accounts, Customer Support, Company Support and Transactions Management.

With a builder mindset, Andrew is focused on delivering service excellence while pursuing enhanced partner integration, client experience and product diversification.  In his previous role as Vice President of Enterprise Compliance and Risk Management for Freedom Financial, Andrew had the responsibility of overseeing production, quality, and compliance activities.  During his time there, he identified ways to improve efficiency and enhance customer experience, while ensuring rigorous compliance and managing risks to the business.

In addition to his proven track record in the Debt Settlement space, Andrew brings deep consumer lending experience and expertise from his prior role with JP Morgan.  His experience in consumer lending spans critical areas including operations, account origination and recovery. 

In each of his previous roles, Andrew has championed for a strong, teamwork forward company culture.  He understands the importance of empowerment and seeks to ensure that employees have the tools and resources necessary to be successful personally and professionally. 

In his spare time, Andrew is active in the community serving as a board member for the Down Syndrome Network of Arizona, volunteering with Special Olympics of Arizona, as well as many other community organizations. He continues to play sports regularly and especially enjoys spending time outdoors with his wife and five children.

Lori Lasher serves as Executive Vice President, Chief Legal Officer, Chief Compliance Officer and General Counsel of The J.G. Wentworth Company. Ms. Lasher joined J.G. Wentworth in April 2018.  Prior to joining The J. G. Wentworth Company, Ms. Lasher was a Partner in the global law firm of Reed Smith LLP for 24 years. At Reed Smith she advised The J.G. Wentworth Company and its subsidiaries for more than 16 years as lead outside counsel on its securitizations, warehouse facilities, intercreditor issues and acquisitions.  Prior to joining Reed Smith LLP, Ms. Lasher was a Partner in the law firm of Buchanan Ingersoll, P.C. Ms. Lasher graduated from Westminster College with a Bachelor of Arts degree, and she received her law degree from Penn State University, The Dickinson School of Law.

Ms. Lasher is also a Trustee of Project Home, the largest provider of affordable housing to formerly homeless persons in Philadelphia, and she serves on its Executive Committee.  Ms. Lasher provides pro bono legal services to juvenile lifers, including one case where she is co-counsel with the Pennsylvania Innocence Project.  

Lou Antonelli joined Beyond Finance as Executive Vice President and Chief Operating Officer in 2019. With over 15 years of experience with top firms in the debt relief industry, Lou has dedicated his career to driving exceptional outcomes for consumers. His strategic oversight and passion for helping consumers achieve financial freedom has been instrumental in establishing Beyond Finance as an industry leader. 

Prior to joining Beyond Finance, Lou spent a decade in executive leadership roles at National Debt Relief, where he focused on scaling operations and ensuring successful outcomes for clients. His depth of experience and commitment to improving client experiences have made him a respected figure in the debt relief industry. Prior to his debt resolution experience, Lou honed his passion for service excellence during a 7-year tenure at retail leader, Costco Wholesale. In 2012, Lou co-founded Haute Audio, a consultancy that curates bespoke audio programming for fine dining establishments around the world. His leadership is defined by a commitment to continuous improvement and operational excellence and maintaining the highest standards of customer care.

Lou holds a degree in Business Economics from The State University of New York at Oneonta. He currently resides in Houston, TX with his wife and two sons, though he will always call New York home.