Larry Ruff is President and Chairman of NO MORE Mortgage, a nationwide debt-elimination strategy company established in 1996, based in Orem, Utah (www.NoMoreMortgage.com). Mr. Ruff is a sought-after consultant to credit counseling agencies, debt-settlement companies, and mortgage companies across America. Born in Washington, D.C., and raised in Danville, California, Mr. Ruff gained his education at Brigham Young University where he majored in Financial and Estate Planning and minored in Real Estate. His prior business experiences include running a successful real estate company (Timpanogos Realty), founding a highly successful commercial real estate investment company (Ruff Investments), founding a world-wide manufacturer and marketer of commemorative coins that he successfully took public (Liberty Mint), as well as running a credit counseling company (Financial Freedom). He currently lives in Springville, Utah, with his wife, Jennifer, and their 10 children (7 still at home).