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About CRN and it's Debt Help Experts

The mission of Consumer Recovery Network is to empower consumers to
protect their rights when they have too much debt, make sound financial
decisions, and to help alleviate their economic stress by providing them
with clear-cut debt settlement education and advice coupled with affordable
full service debt negotiation and settlement services. Our team of
experienced Debt Specialist is committed to helping debt-strapped
consumers manage their debt and resolve their struggles with credit.
In many instances that commitment spans decades.

CRN was founded by Michael Bovee, Dean Gerhart and Dayna Beyer,
all of whom are CRN Debt Specialists.

Michael Bovee has been helping financially troubled consumers for the past 14 years. Michael works with CRN members and leads each department at CRN. He is the liaison for public, media and creditor relations. Michael specializes in the creation of debt-related educational products, with a focus on debt negotiations, consumer rights and credit reporting. He has collaborated with Charles Phelan, who is the original pioneer of self-help settlement education and coaching, and the creator and voice on CRN's educational audio series.






Dayna Beyer has been working with consumers struggling with debt for 25 years. Her years of experience as a debt and credit counselor helped make CRN what it is today. In addition to helping CRN clients resolve their unsecured debts, Dayna also assists consumers with state and federal tax problems and draws on her years of experience in loan services to help consumers who are having problems paying their mortgages.


Dean Gerhart has worked with struggling consumers for the past decade and heads CRN Debt Specialists as well as CRN's creditor relations efforts. Dean's wife, Brenda Gerhart, is also part of the CRN team. She brings to her work two decades of banking and customer service experience.

CRN's Approach and Philosophy

Do the right thing, at the right time, for the right reason, with the right people.

This is CRN's basic philosophy and drives how we do business. It is reflected in the team of Debt Specialists at CRN, who have backgrounds in the financial and credit fields, who talk straight to the consumers they work with and help them find straight forward solutions to their debt problems. Each Debt Specialist currently working for CRN has a minimum of 10 years experience working directly with consumers on their finances.

To our knowledge, there is no other company in the country like CRN. We combine education and coaching with full service debt negotiation and settlement at a cost that is unmatched in our field. Given the heightened scrutiny the debt relief industry is receiving these days, CRN is seen as an innovator and an example of fairness and best practices. In other words, we are setting a standard for other firms in our industry.

Six years ago when CRN's founders first got together to form what is now known as CRN, we had completed thousands of hours of research and attended many industry events and seminars. We also attended the annual National Consumer Law Center (NCLC) conference held in 2004. (NCLC is focused on protecting consumers' rights and on the passage of laws and regulations to provide fairness in the market place.) That event had a profound effect on the direction we ultimately took CRN. We were so affected by the people we met at the NCLC conference and the messages we heard there that in the 20 states where CRN cannot charge a contingency fee for settling consumers' debts, we ask those consumers to voluntarily donate the amount of that fee directly to NCLC or to a low income legal aid office in their area.

CRN's quality debt management and settlement program has had an immediate, long lasting and positive effect on the lives of many, many consumers. We are committed to providing fast, straightforward, fair and ethical debt relief to our clients.

Our primary goal is to assist you in getting out of debt and, to take it a step further, by providing you with the tools and information you need to better manage your debt in the future. Better yet, to incur no debt at all!

Hey, Debt Happens.
Recovery from Debt Happens Too!
Michael Bovee, President, CRN

Start Eliminating Your Debts Today!
Call us toll-free at 1-800-939-8357 or click here to complete our contact form.