Joanne S. Faulkner, contributing author, has a private consumer law practice in New Haven, Connecticut, with a major focus on representing consumers under the FDCPA and other consumer protection laws. Previously, she was an attorney at New Haven Legal Assistance for many years. She has served as chair of the Consumer Law Section of the Connecticut Bar Association and as a member of the FRB’s Consumer Advisory Council. She has contributed to a number of NCLC publications, including Fair Credit Reporting and Credit Discrimination. She is the 2002 recipient of the Vern Countryman Award.