DRAYER BOTT SPURLOCK is an attorney with the firm of Napier & Associates, P.S.C., where she focuses her practice on creditor issues, business transactions and real estate issues. She has represented various sized businesses, from small proprietorships to major corporations, banks and other financial institutions, as well as coal companies and landowners. Ms. Spurlock has spoken frequently on retail and commercial collections and related topics. She is a member of the Kentucky Bar Association, and is admitted to practice in Kentucky and before the U.S. District Court, Western and Eastern districts of Kentucky; the Sixth Circuit Court of Appeals; and the United States Court of Federal Claims. Ms. Spurlock earned her B.A. degree from Indiana University and her J.D. degree from the University of Louisville.

JAMIE L. HARRIS is an attorney with the firm of DelCotto Law Group PLLC, where she focuses her practice on consumer and commercial bankruptcies and workouts. She is admitted to practice in the Commonwealth of Kentucky, the Eastern and Western districts of Kentucky, and the Southern District of Indiana. Ms. Harris is a member of the Kentucky Bar Association. She has been listed in Best Lawyers in America since 2015 and Kentucky Super Lawyers since 2017. Ms. Harris received her B.A. degree, cum laude, from Centre College and her J.D. degree from the Louis D. Brandeis School of Law at the University of Louisville.

PATRICK J. KILBURN is an attorney with the firm of Lloyd & McDaniel, PLC. Mr. Kilburn's practice centers around the representation of banks, large and small corporations, and general creditors in the collection of past due accounts, both in and outside of litigation. After working for a local regional bank, Mr. Kilburn brings to his clients real-world experience to protect their interests. He received his B.B.A. degree in finance from the University of Kentucky and his J.D. degree from the University of Louisville, Brandeis School of Law. Mr. Kilburn is a member of the Louisville and Kentucky bar associations, and The Florida Bar.

JERRED P. ROTH has been an attorney with Burton Neil & Associates, P.C., based out of West Chester, Pennsylvania, since 2014, and is responsible for the firm's Kentucky and West Virginia practices, focusing entirely on consumer and commercial collections. Prior to becoming affiliated with Burton Neil, Mr. Roth spent eight years practicing commercial and consumer collections in Lexington. Mr. Roth is licensed to practice in Kentucky and West Virginia; and has been involved with the Commercial Law League of America; the International Association of Commercial Collectors; and the National Association of Retail Collection Attorneys. He is a graduate of West Virginia Wesleyan College and the University of Kentucky College of Law.