Howard is a CPA, serial entrepreneur, a two-time author, personal finance contributor to Forbes and Entrepreneur.com, and is the Chairman of Debt.com. His success has allowed him to be interviewed by media outlets such as the New York Times, Washington Post, Bloomberg, and virtually every newspaper and TV network in the country. Howard has played an instrumental role in drafting both State and Federal Legislation and is a former consultant to the Board of Directors for the Association of Credit Counseling Professionals as well as the past president of the Association of Independent Consumer Credit Counseling Agencies.