Justin Harelik has been working with English- and Spanish-speaking clients in the personal finance industry for close to a decade. He has worked as a bankruptcy attorney, credit manager, debt negotiator and student loan adviser. He has applied his financial and legal skills to managing the estates of high net-worth individuals, and to helping improve the financial well-being of hundreds of people living below the poverty line. Currently he is a practicing attorney in Los Angeles with Price Law Group, APC.

Harelik earned his undergraduate degree from the University of Wisconsin-Madison and his law degree from the Loyola Law School in Los Angeles. He spent a year studying in South America, and speaks fluent Spanish.

He is a native of Los Angeles, where he lives with his wife, Melanie, and daughter. He is also a volunteer Big Brother for the Los Angeles Division of Big Brothers/Big Sisters.

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Janna Herron covers credit cards, credit reporting and scoring, and credit card debt management for Bankrate.com. Her coverage includes blogging about the latest happenings and trends in these areas along with writing articles offering advice and tips on managing credit cards and navigating the world of credit reporting and scoring. Before joining Bankrate in June 2011, Janna was a business reporter for more than five years at The Associated Press. She’s won several awards for her reporting including the Peter Lisagor Award for Business and Consumer Reporting and two SABEW Best in Business awards.

Janna graduated from Duke University with a Bachelor of Arts degree in English and Drama. She lives with her husband, son and two cats in Manhattan.

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Steve Bucci is former president of Consumer Credit Counseling Service of Southern New England. He is the founder of the Consumer Credit Counseling Service of Rhode Island, developed in the wake of the 1991 Rhode Island banking and credit union crisis. Steve also founded and was the former managing director of the University of Rhode Island Center for Personal Financial Education. The center is a joint venture with the University of Rhode Island to raise the level of financial literacy through innovative mass education programs and research.

Steve is the author of "Credit Management Kit for Dummies" and co-author of "Managing Your Money All-In-One for Dummies." His weekly column is distributed nationally by the Scripps-Howard newspaper syndicate.

Steve graduated from East Providence Senior High School and the University of Rhode Island at Kingston, where he received his B.A. and M.A. degrees. He and his wife, Barbara, live in the seaside community of Narragansett, R.I.

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Dr. Don Taylor, in addition to answering our readers' questions about personal finance, is an assistant professor of business administration at Penn State Brandywine in Media, Pa. He teaches courses in financial services for the university. Previously, Don was an associate professor of finance at The American College in Bryn Mawr, Pa., where he taught course work in financial planning and investments. He is co-author of the textbook "Financial Planning: Process and Environment," now in its second edition. He has professional experience as a treasurer, consultant, financial planner and debt analyst.

Don holds a doctorate in finance and has earned both master's and bachelor's degrees in finance. A Chartered Financial Analyst, he also is a Certified Financial Planner certificant, a Chartered Financial Consultant, and a Chartered Adviser for Senior Living. He is a member of the CFA Institute, the Academy of Financial Services, the Financial Planning Association and the Financial Management Association. He is on the review board of the Journal of Financial Planning and the Journal of Financial Service Professionals.

Have a personal finance question? Ask Dr. Don.

Jack Hungelmann has more than 30 years of experience in the insurance business. He operates a practice providing both fee-based risk management and commission-based insurance services, and he's regularly hired as a consultant by consumers around the country seeking help solving every type of insurance-related problem.

Jack is the author of "Insurance for Dummies" and is a co-author of "Managing Your Money All-in-One for Dummies." For more than two decades, he has written an insurance and personal risk management newsletter for his clients.

He received his bachelor’s degree from the University of Minnesota and has had more than 2,000 hours of insurance education. The Minnesota native currently lives in the community of Chaska, about 20 miles outside of Minneapolis.

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Tara Baukus Mello is a full-time automotive writer, who has been published regularly since 1987. With over 3,500 articles published, her work has appeared in such publications as The New York Times, Autoweek, Woman's Day, Parade, Automotive News, Woman's World and Westways, as well as on cNet.com and Edmunds.com. She is also the author of 10 nonfiction chapter books for children, seven of which are on automotive topics.

A passion for automobiles brought her to Petersen Publishing (now part of SourceInterlink), where she was the editor of the special interest publications in the automotive performance group, producing a new magazine every three weeks. More recently, she was the former news anchor for Motor Trend Radio, writing and recording the show's twice-weekly broadcasts.

Originally from Cape Cod, Mass., Tara graduated cum laude from Harvard University. She and her family reside in the Los Angeles area, where she enjoys cruising year-round in the '32 Ford street-rod pickup that she built with her father in 1992.

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Steve McLinden has written on virtually all aspects of the real estate world for the past 15 years. His writings have appeared in newspapers around the country on the Scripps-Howard and Knight-Ridder business wire services. A resident of Arlington, Texas, McLinden spent seven years covering real estate for the Fort Worth Star-Telegram, winning multiple writing awards. At present, he is a correspondent for National Real Estate Investor, Shopping Centers Today and REO magazine. He has also written for Urban Land and Tierra Grande, a quarterly published by the Texas A & M University Real Estate Center, plus covered real estate beats for business journals in the Dallas-Fort Worth area.

McLinden is a native of Peoria, Ill., and a graduate of Bergan High School. He earned a bachelor's degree in communications from Western Illinois University.

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George Saenz is a certified public accountant living in Miami. With more than 15 years of experience in income, corporate and estate taxes, George brings a real-life perspective to tax problems. He's a member of the Florida and American Institutes of CPAs and the Greater Miami Chamber of Commerce.

George earned a bachelor's degree in accounting from the University of Florida, and continued graduate studies at Florida International University, where he is a member of the university's advisory board for its Executive Masters of Science in Taxation program. George also is a licensed life insurance agent and a Series 6 Registered Representative.

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