Susan Appel is Deputy General Counsel of Unifund, focusing on compliance and corporate matters. Her specialties include the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, as well as other federal and state laws affecting the debt buying and debt collection industries. She previously litigated collection cases as a staff attorney for Unifund. She is a member of the RMAI State Legislative Committee and Legal Affairs Working Group and is a regular speaker at industry events. Ms. Appel is a graduate of the University of Illinois College of Law, where she served as Articles Editor of the Law Review, and the University of Chicago. Prior to joining Unifund, she practiced with law firms in Chicago, Illinois, and Cincinnati, Ohio. Ms. Appel is admitted to practice in Illinois, Ohio, and Michigan.

John is an AV rated attorney and nationally recognized authority on the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. He serves as counsel to several professional trade associations, including the Georgia Collectors Association. John is a published writer on industry topics and a former member of the Board of Directors of the industry's leading professional trade organization, ACA International, The Association of Credit and Collection Professionals. John is recognized by Collection Advisor magazine as one of the nation's top 50 most influential people in the collection industry. He serves as the State of Georgia Compliance Chairperson for ACA International and is a former Chairperson and Program Designation award recipient of ACA International's Members Attorney Program. John is a nationally recognized speaker and travels the country training collectors and educating industry associations, clients, and vendors who provide products and services to the industry. John is licensed to practice law only in Georgia and Tennessee. John received a Bachelor of Science degree in Economics from the Pennsylvania State University and a Juris Doctor degree from Syracuse University College of Law. He has spent his entire career serving the credit and collection industries.

John K. Rossman represents financial institutions and related parties regarding the Fair Debt Collection Practices Act, the Fair Credit Reporting Act and the labyrinth of State laws that impact the debt industry. He shaped debt collection law in numerous landmark cases that preserved and expanded the rights of financial institutions, fintechs, collection agencies, debt buyers, creditors, and fellow attorneys.