November 2012 CBA REPORT
By Margaret A. Burks, Philomena Ashdown, and Edward J. Boll, III
Ninfo, II, the founder of C.A.R.E., as the
keynote speaker. Other speakers includ-
ed then-Chief Judge Southern District
of Ohio Bankruptcy, J. Vincent Aug, Jr.
and John Morris from the University
of Cincinnati outlining budgeting and
how educators can utilize the C.A.R.E.
program and the local bankruptcy bar in
their teaching of financial literacy.
That same year, Cincinnati’s C.A.R.E.
also established its presence on college
campuses by working with the Univer-
sity of Cincinnati and Xavier University.
C.A.R.E. literature was included in orien-
tation materials provided to all incoming
freshman at the University of Cincinnati
and C.A.R.E. met with the school’s ori-
entation leaders for training and support
in assisting students in making sound
financial decisions on campus. At Xavier
University, as freshmen prepared to move
onto campus, Cincinnati’s C.A.R.E.
spoke with their dorm advisors to men-
tor them about credit, debt, student loans
and other financial matters.
This year, Cincinnati’s C.A.R.E.’s
partnership with the University of
Cincinnati Economics Center was
strengthened with enthusiasm from the
university’s new director of student and
community relations, Casey Woodruff.
Judges, attorneys and court staff members
from the Greater Cincinnati bankruptcy
community can sign up to teach at lo-
cal schools by going to the Economics
Woodruff and the University of Cincin-
nati Economics Center then fills requests
of local high schools and organizations
with the Cincinnati C.A.R.E. volunteers.
Subject matter and expertise needed vary
• Getting started
• Understanding money
• What is money?
• Career choices and income
• Saving/financial services
• Making good financial choices
• Money principles
The school year is off to a great start
with the Cincinnati’s C.A.R.E. and Uni-
versity of Cincinnati Economics Center
collaboration and C.A.R.E looks forward
to teaming up with the American Bank-
ruptcy Institute to strengthen our efforts.
If you have not volunteered to par-
ticipate in your local C.A.R.E. program,
which has chapters in all 50 states,
reward yourself and do so.
Burks was first appointed as a Chapter 13 trustee for
the Cincinnati area in July 1992. She is president elect
of the National Association of Chapter 13 Trustees.
She has spoken to various groups including NACTT,
ABI and the CBA. Ashdown, attorney at Strauss &
Troy has extensive experience in the areas of debtor/
creditors’ rights, debtor/creditor bankruptcy matters;
purchase and sale of debt and assets; receivership,
foreclosure, banking and commercial financing. She
works with borrowers and lenders, lessors and lessees
and other creditors assisting her clients with the
many facets of their businesses. Boll is the managing
bankruptcy attorney with the law firm of Lerner,
Sampson & Rothfuss, LPA. He is the current chairman
of the consumer subcommittee of the S.D. of Ohio Local
Bankruptcy Rules, chairman of the Cincinnati Bar
Association’s bankruptcy judicial liaison committee.
n 2007, the Honorable Jeffery P.
Hopkins planted the seed with the
CBA to start a chapter of Credit
Abuse Resistance Education (C.A.R.E.).
Spearheaded by then CBA Bankruptcy
Committee Chairperson Ed Boll, Cincin-
nati Chapter 13 Trustee Marge Burks and
commercial transaction litigator philo-
mena Ashdown, Cincinnati’s C.A.R.E.
program has grown into a fortress of
In following C.A.R.E.’s mandate as
a personal finance literacy education
outreach program, Cincinnati’s C.A.R.E.
program has connected engaged and
caring judges, trustees, attorneys and
court staff members from the Greater
Cincinnati Bankruptcy Community with
high schools and colleges. These volun-
teers have shared with students their
unique knowledge and experiences, while
providing the lessons and techniques
they need in order to help them lead a
financially responsible, consumer debt-
Cincinnati’s C.A.R.E. program also
focused on a “top down” approach to
maximize its impact. For example, in
September 2007, Cincinnati C.A.R.E
teamed up with the University of Cin-
cinnati Center for Economic Research
and the Federal Reserve Bank to pres-
ent a symposium intended to educate
the educators of the resources available
to them as they planned for new Ohio
legislation that required financial literacy
as a high school graduation requirement
starting in 2010. The symposium featured
now-retired, U.S. Bankruptcy Judge for
the Western District of New York, John
C.A.R.E., the Cincinnati Bar Association and
Economics Center at the University of Cincinnati