The Leaders Behind Our Clients’ Path to Financial Freedom
Accredited Debt Relief’s leadership team brings decades of specialized expertise in debt relief, financial wellness, law, technology and people operations — all aligned around one mission: helping Americans get out of debt.
This won’t affect your credit score!
Meet Accredited Debt Relief’s Leaders
Accredited Debt Relief is led by a team of financial services professionals, legal experts, technology leaders and financial wellness advocates with decades of combined experience in consumer debt relief.
Their collective expertise and shared values are rooted in a single mission: to make debt relief accessible so that no one has to face financial hardship alone.
It’s a standard of leadership that has earned Accredited Debt Relief recognition for customer service excellence and technology innovation — because for this team, doing right by clients and building a best-in-class company have always gone hand in hand.
Vice President of People
John Pollak
“My philosophy is that bringing the utmost value to our clients starts with putting the right people in the right roles and continuing to provide learning and development opportunities. When our people are successful, our clients are successful. That’s why I foster work cultures that focus on results, have a ‘do what it takes’ mentality and are as driven to win as we are to have fun doing it.”
A Career Defined by Scaling Teams and Companies
John Pollak is the vice president of people at Accredited Debt Relief. He has over 20 years of experience in HR leadership and is known for his results-driven approach and solid track record of success building people organizations in startups, high-growth and established companies.
Helping Scale Accredited Debt Relief’s Award-Winning Team by 340%
As vice president of people at Accredited Debt Relief since 2021, he has helped scale the company’s workforce from approximately 500 to over 2,200 employees — and the high standards he’s embedded across the company are reflected in Accredited Debt Relief’s award-winning customer service and its recognition as a Built In Best Place to Work 2026.
To accomplish his goals, John rebuilt HR capabilities from the ground up, establishing centers of excellence across talent management, recruiting, compensation and benefits, employee relations, learning and development, performance management and HR technology.
His foundational belief — that client outcomes are a direct function of employee experience — shapes every program he builds.
Prior Experience
John brings a distinguished track record of organizational growth to Accredited Debt Relief. As head of people experience at Optima, Inc., a fast-scaling fintech lending platform, he led a comprehensive, company-wide HR transformation.
He then served as vice president of human resources at Keeper Security, a top cybersecurity software company, leading the company’s people function across recruiting, retention and employee experience.
At Enova International, a publicly traded fintech lender, John led teams through S-1 filings that supported the company’s IPO and championed a massive talent expansion that scaled the technology company from roughly 100 to 1,000 employees.
Outside of Work
John is a committed supporter of the Chicago District Golf Association’s Sunshine Through Golf Foundation, which brings adaptive golf experiences to children with disabilities and veterans in Chicagoland.
General Counsel
Michael Hohos
“My role involves ensuring we’re following the rules and doing right by our clients. They deserve a best-in-class experience in every aspect of the business — service, transparency, process, and results.”
A Career Focused on Consumer Financial Services Law
Michael Hohos is the general counsel at Accredited Debt Relief. He has spent the last 15 years focused on consumer financial services law and regulation.
He was promoted to the head of Accredited Debt Relief’s legal team in August 2023 following a four-year tenure as the company’s associate general counsel.
Deep Institutional Knowledge of the Debt Relief Industry
At Accredited Debt Relief Michael has strengthened and scaled the company’s legal and compliance function to meet the demands of a growing national business — work made possible by his deep institutional knowledge of the debt relief industry, its regulatory environment and the legal infrastructure required to protect clients at scale.
Prior Experience
Before joining Accredited Debt Relief in March 2019, Michael spent more than eight years at Gregg & Valby, LLP, developing a strong foundation in the legal and compliance challenges specific to consumer financial services companies.
Outside of Work
Michael enjoys spending time with his family, playing softball with his daughter and building LEGO creations with his son.
Chief Financial Wellness Advisor
Dr. Erika Rasure
“I believe that financial wellness is not just about numbers — it’s about creating a sense of care and reassurance, so every client knows they are not alone and can make confident, healthy financial choices.”
A Career at the Intersection of Money and Well-Being
Dr. Erika Rasure is the chief financial wellness advisor at Accredited Debt Relief, where she is one of the most experienced and credentialed voices in financial wellness today.
As chief financial wellness advisor at Accredited Debt Relief since February 2022, she brings over two decades of experience as a financial therapist, academic researcher and transformational coach to the challenge of helping clients rebuild their relationship with money from the inside out.
Engaging with Hundreds of Clients Weekly to Provide Client-First Care
Dr. Rasure personally engages with hundreds of clients each week, providing tailored resources, live encouragement and evidence-based strategies to help break cycles of financial trauma and build lasting well-being. She also helped develop National Financial Practice Week, a national initiative advancing the field of financial wellness.
In 2026, Dr. Rasure launched the Financial Wellness RESET™ Framework, a proprietary clinically informed model she developed through her doctoral research, her clinical work as a Certified Financial Therapist and the sessions she led with Beyond Finance clients — making lasting financial change more accessible.
One of the Most Credentialed Voices in the Debt Relief Industry
Dr. Rasure holds a Doctor of Philosophy (Ph.D.) in Financial Planning from Kansas State University and a Master of Science in Consumer Economics from the University of Missouri–Columbia. She is a Certified Financial Therapist™ (CFT™) Practitioner and a Certified Deep Transformational Coach — a rare combination of academic depth, therapeutic training and practical methodology.
Editorial & Media Credentials
Dr. Rasure serves on financial review boards for Investopedia, The Balance and VeryWell.
Her insights have been featured on CNN, Forbes, Yahoo! Finance, Association for Financial Counseling and Planning Education (AFCPE) and MindBodyGreen. She was a featured speaker at the 2025 Women in Consumer Finance Conference.
Outside of Work
Dr. Rasure is a registered yoga instructor — a natural extension of her whole-person philosophy that genuine financial wellness and personal wellness are inseparable.