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News:

The Blended Wal Mart Business Model

As featured on CBS Evening News!

Dr. Manning's Washington Post essay on credit cards and new CARD Act

Dr. Manning is excited to announce the innovative programs offered by The Responsible Debt Relief (RDR) Institute, a nonprofit organization dedicated to promoting the revolutionary RDR software and related consumer finance programs. For financially distressed families, RDR guides them into the most appropriate debt resolution program. Look for Dr. Manning's new consumer financial management website with innovative RDR technology--available in March!

Responsible Debt Relief

Articles about RDR

Michigan Filene Report
supported by the Michigan State Credit Union League

In Debt We Trust Poster
Powerful new documentary on consumer credit/debt by Danny Schechter and featuring Dr. Robert D. Manning.

Dr. Manning announces new "History of Saving in America" project. Includes opportunity to acquire historic World War I and World War II saving bond posters.

Savings Bond Poster Campaign
Join the Ben Franklin saving club and have FUN! Dr. Manning is working on a documentary, museum exhibitions, and war bond poster and antique saving bank campaign. Save American history and enjoy the beauty of original and rapidly appreciating War Bond posters and vintage banks. Dr. Manning is collaborating with major collectors to enable you to purchase authenticated, historic posters of our nation's commitment to saving and recycling. Learn more...

DVD Now Available!

FINALIST for 2007 HARRY CHAPIN MEDIA AWARD

Dr. Manning explained the RESPONSIBLE DEBT RELIEF program at U.S. Federal Trade Commission's workshop on Debt Settlement Industry on Sept 25th.

Since Dr. Manning's October 2005 press conference, he has accurately predicted the collapse of the housing bubble in 2006 and the consumer-led recession in summer 2008. Dr. Manning forecasts three phases of the 2008 recession: (1) consumer debt stress, (2) job/income loss, and (3) international investment pressure. He expects that the second phase of the subprime mortgage crisis will continue to impact the US housing market through the beginning of 2010. View the entire press release

Dr. Robert D. ManningDr. Robert D. Manning is the author and inspiration of Credit Card Nation which has influenced public policy and research on consumer credit in the United States and abroad. Dr. Robert Manning has contributed to state and federal legislation concerning the marketing of credit cards to college students, consumer bankruptcy reform, predatory loans, and financial education programs.

A podcast interview with Dr. Manning about college students and credit cards

Dr. Manning's TOP TEN TIPS [pdf] of the Credit Card Nation

Newtonian Finances has partnered with Careerbuilder.com for employment related services (free and for fee) and Cardratings.com for selecting personal credit cards (free services)

Ralph NaderRalph Nader delivered the inaugural address for the Center for the Study of Consumer Financial Services (CSCFS) [Real Media Stream] at Rochester Institute of Technology on March 21, 2006. Dr. Manning is the founding director of CSCFS and the new Consumer Financial Services undergraduate program at RIT.

Al FrankenDr. Manning's discusses predatory lending and banking deregulation on the Al Franken Show (AIR AMERICA Radio Network) on Thursday, April 27th.

See Dr. Manning on The Daily Show with Jon Stewart where he discusses marketing credit cards to college students during springbreak. View the "Beach Ploys" segment online!

TransUnion Logo divider Experian Logo divider Equifax Logo

Click here for info on viewing your credit report for free.

Seal of the US Bankruptcy Court for the Southern District of IllinoisConsumer Bankruptcies soared to 2 million in 2005 following the enactment of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005. Dr. Manning, who testified against the legislation in the U.S. Senate Judiciary hearing in February 2001 and a U.S. Congressional policy briefing in May 2006, emphasizes that  it not only threatens American's consitutional right of filing for personal bankruptcy protection but it is a hollow victory for the financial services industry since it will not deliver significantly greater payments to unsecured creditors.  In his forthcoming book, GIVE YOURSELF CREDIT, Dr. Manning explains the implications of the new law to financially distressed consumers. Furthermore, major changes in the Consumer Credit Counseling Services (CCCS) is occuring as the IRS is rejecting nonprofit status to many creditor financed "nonprofits" as well as nonprofit counseling organizations associated with for-profit debt consolidation and debt relief programs.  See IRS rulings while Module 12 is being revised. Click here for information on how to file for bankruptcy in your specific state.


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