Joseph Lorick was born August 25th 1981 in Baltimore, MD. He graduated from one of the most prestigious high schools in the United States; Baltimore City College high. He went on to earn his bachelors in business administration from Bowie State University. As a senior, Joseph began his career in banking and has never stopped. He has worked in the collections, credit, mortgage, consumer Loans, debt management and strategies department within his eleven years of employment. During this time, he has spoken with thousands of customers and gained extensive knowledge about the financial habits of Am...