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About the Authors

About the Authors

Carolyn L. Carter, co-author, is NCLC’s director of advocacy and was formerly co-director of Legal Services, Inc., in Gettysburg, Pennsylvania and director of the Law Reform Office of the Cleveland Legal Aid Society. She is the editor of Pennsylvania Consumer Law, editor of the first edition of Ohio Consumer Law, author of Repossessions, co-author of Automobile Fraud, Mortgage Lending, Consumer Warranty Law, Collection Actions, and Unfair and Deceptive Acts and Practices, and contributing author to other NCLC publications. She was the 1992 recipient of the Vern Countryman Consumer Law Award.

Elizabeth Renuart, co-author, is of-counsel with NCLC, was an associate professor of law at Albany Law School, and before that was an NCLC staff attorney. She is co-author of Truth in Lending and a contributing author on several current NCLC books; previously she was the co-author of The Cost of Credit, and Stop Predatory Lending. She also has written or co-written several journal articles on topics relevant to consumer credit and foreclosure. She is an adviser to the American Law Institute’s project on Restatement Third, The Law of Consumer Contracts and a former member of the Federal Reserve Board Consumer Advisory Council. She was the managing attorney of legal services offices in Baltimore and Frederick, Maryland, where she litigated cases involving Truth in Lending, usury, deceptive home improvement practices, mortgage foreclosure defenses, and fraud.

Andrew G. Pizor, co-author, is a staff attorney in NCLC’s Washington, D.C., office, a co-author of Mortgage Lending, and a contributing author to Foreclosures and Mortgage Servicing and Truth in Lending. Andrew also serves as an expert witness on mortgage origination and servicing issues. He was formerly an attorney at the Connecticut Fair Housing Center, Consumer Law Group L.L.C., and Legal Services Corp. of Delaware, where he worked on housing and consumer protection issues, focusing on defending foreclosures and fighting predatory lending.

Jonathan Sheldon, co-author, has been an NCLC staff attorney writing and consulting on a number of consumer law topics since 1976. Previously he was a staff attorney with the Federal Trade Commission. His other publications include Unfair and Deceptive Acts and Practices, Federal Deception Law, Consumer Warranty Law, Automobile Fraud, and Collection Actions, and he is a contributing author to a number of other NCLC publications.

Chi Chi Wu, contributing author, is an NCLC staff attorney working on consumer credit, credit reporting, and medical debt issues. She is author of Fair Credit Reporting and Collection Actions and a contributing author to Truth in Lending and Credit Discrimination. She was formerly an assistant attorney general with the Massachusetts Attorney General’s office and an attorney with Greater Boston Legal Services.

Persis S. Yu, contributing author, is an NCLC staff attorney and works on the Fair Credit Reporting Act, student loans, and on other consumer advocacy issues. She is a co-author to Student Loan Law and a contributing author to Fair Credit Reporting. Prior to joining NCLC, Persis was a Hanna S. Cohn Equal Justice Fellow at Empire Justice Center in Rochester, New York.

John W. Van Alst, contributing author, is an NCLC staff attorney whose focus includes deceptive practices law, automobile fraud, and manufactured home issues. He formerly was an attorney at Legal Aid of North Carolina, where he handled a broad range of consumer issues, and was also an adjunct clinical professor at the University of North Carolina School of Law. He directs the NCLC Working Cars for Working Families Project ( He is co-author of Consumer Warranty Law and Consumer Rights for Domestic Violence Survivors. He is a contributing author to Automobile Fraud, Mortgage Lending, Unfair and Deceptive Acts and Practices, Foreclosures and Mortgage Servicing, and Repossessions.

Jeremiah Battle, Jr., contributing author, is an NCLC staff attorney, author of Credit Discrimination and a contributing author to Collection Actions, Repossessions, and Unfair and Deceptive Acts and Practices. Previously, he was a staff attorney with Northeast New Jersey Legal Services.

Emily Green Caplan, contributing author, has worked in both the public and private sectors as an attorney focusing on discrimination matters. She has been an author and researcher for the Massachusetts Commission Against Discrimination for over twenty years and is a contributing author to Credit Discrimination and Foreclosures and Mortgage Servicing. Previously, she worked in the labor and employment practice of McCutchen, Doyle, Brown and Enersen in San Francisco.

Alys I. Cohen, contributing author, is a staff attorney at NCLC’s Washington office and a contributing author to Credit Discrimination, Truth in Lending, and Mortgage Lending, and was co-author of Stop Predatory Lending. Formerly, she was an attorney in the Federal Trade Commission’s Bureau of Consumer Protection, Division of Financial Practices.

Lauren K. Saunders, contributing author, is associate director of the National Consumer Law Center in Washington, D.C., where she directs the Center’s federal legislative and regulatory work. She regularly speaks and writes in areas including prepaid cards, payment systems, small dollar loans, and deposit accounts. She is a co-author of Consumer Banking and Payments Law and contributing author of Fair Credit Reporting. She previously directed the Federal Rights Project of the National Senior Citizens Law Center, was deputy director of litigation at Bet Tzedek Legal Services in Los Angeles, and was an associate at the public interest firm Hall & Phillips.

Arielle Cohen, contributing author, is an NCLC staff attorney focusing on class action litigation and other advocacy. She is a co-author of Consumer Class Actions and a contributing author to Credit Discrimination and Fair Credit Reporting. She was formerly a Skadden Fellow at the New Jersey Institute for Social Justice.