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About the Authors

Henry J. Sommer, author of all twelve editions of this title, is President of the National Consumer Bankruptcy Rights Center. Previously, he was the head of the Consumer Law Project at Community Legal Services in Philadelphia, where he worked for over twenty-one years, and supervising attorney at the pro bono Consumer Bankruptcy Assistance Project in Philadelphia. He has also served as a lecturer-in-law at the University of Pennsylvania Law School and is an adjunct professor at Temple University School of Law. He is Editor in Chief of Collier on Bankruptcy and the entire Collier line of bankruptcy publications published by Matthew Bender and Co. He is also the author of Consumer Bankruptcy: The Complete Guide to Chapter 7 and Chapter 13 Personal Bankruptcy (John Wiley & Sons, 1994), numerous articles on bankruptcy law, and co-author of Collier Family Law and the Bankruptcy Code (Matthew Bender). He is a former member of the Federal Judicial Conference Advisory Committee on Bankruptcy Rules and the Federal Reserve Board Consumer Advisory Council. He is a past president of the National Association of Consumer Bankruptcy Attorneys and former chair of the Eastern District of Pennsylvania Bankruptcy Conference. He is a member of the National Bankruptcy Conference, a Fellow of the American College of Bankruptcy, and a member of the American Law Institute. He was the first recipient of the Vern Countryman Consumer Law Award and has also received the National Conference of Bankruptcy Judges’ Excellence in Education Award and the American College of Bankruptcy’s Distinguished Service Award.

John Rao, editor and contributing author, is an NCLC attorney with a focus on consumer bankruptcy, foreclosures, mortgage servicing, and credit law. He is co-author of NCLC’s Mortgage Servicing and Loan Modifications and Home Foreclosures. He is also a contributing author to Collier on Bankruptcy and the Collier Bankruptcy Practice Guide. For eighteen years, he had a bankruptcy and consumer law focus at Rhode Island Legal Services and was a managing attorney there. He is a board member of the National Consumer Bankruptcy Rights Center, a conferee of the National Bankruptcy Conference, a fellow of the American College of Bankruptcy, a member of the editorial board of Collier on Bankruptcy, and former board member for the National Association of Consumer Bankruptcy Attorneys and the American Bankruptcy Institute. He is a former member of the federal Judicial Conference Advisory Committee on Bankruptcy Rules, appointed by Chief Justice John Roberts in 2006. He was the 2017 recipient of the National Conference of Bankruptcy Judges’ Excellence in Education Award.

Geoff Walsh, contributing author for the consumers as creditors chapter, is an NCLC staff attorney and has been a legal services attorney for over twenty-five years. Before that, he worked with the housing and consumer units of Community Legal Services in Philadelphia and was a staff attorney with Vermont Legal Aid in its Springfield, Vermont office. His practice has focused on housing and bankruptcy issues. He is a co-author of NCLC’s Home Foreclosures and Mortgage Servicing and Loan Modifications, and is a contributing author to NCLC’s Student Loan Law, Fair Debt Collection, Truth in Lending, Credit Discrimination, and Access to Utility Service. Mr. Walsh is also a contributing author to Collier’s Bankruptcy Practice Guide.