Executive Team

Executive Director and Treasurer

Russell Graves is the Executive Director of Consumer Credit and Budget Counseling d/b/a National Foundation for Debt Management, a non-profit multi-state licensed credit counseling agency he started with his family in 1998. In addition to a Master’s Degree in Finance, Mr. Graves has held professional designations of Accredited Financial Counselor, Certified Educator in Personal Finance, Certified Housing Counselor, Certified Credit Report Reviewer and Identity Theft Prevention Specialist.

Mr. Graves is also a HUD approved housing counselor. He is currently working with the Local Housing Authorities helping long term housing residents break the multigenerational cycle of reliance on public housing and achieve homeownership. He and his agency are also addressing the current mortgage delinquency and foreclosure crisis by holding workshops and town meetings in New Jersey's economically depressed cities with the New Jersey Department of Banking.

President and Chief Executive Officer

Judy Sorensen is President of National Foundation for Debt Management, Inc. In addition to her 10 years' experience in the field of financial education and counseling, she also has experience in the residential mortgage industry having held various positions in retail loan production and legal/regulatory divisions. A 1991 graduate of Thomas Cooley Law School, Ms. Sorensen is a member of the Virginia State Bar. In addition, she is admitted to practice before the DC Court of Appeals and the Supreme Court of Virginia. She has extensive public speaking experience and is also the President of the Association of Credit Counseling Professionals.