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About the Authors

Jeremiah Battle, Jr., author, is an NCLC staff attorney, focusing on predatory lending, credit discrimination, and issues facing older consumers. He is a contributing author to Collection Actions, Consumer Credit Regulation, Repossessions, Foreclosure Prevention Counseling, and Unfair and Deceptive Acts and Practices. Previously, he was a staff attorney with Northeast New Jersey Legal Services where he focused on mortgage foreclosure and public benefits issues.

Sandra Mitchell Wilmore, contributing author, was an attorney with the firm of Relman, Dane & Colfax, P.L.L.C., in Washington, D.C., where she worked primarily on fair lending and consumer credit matters. She retired in 2016. She is a contributing author to the prior edition of this title. Previously, she was a senior attorney in the Federal Trade Commission’s Bureau of Consumer Protection, Division of Financial Practices, where her work involved credit discrimination, predatory lending, and other consumer credit practices.

Alys I. Cohen, contributing author, is a staff attorney at NCLC’s Washington office and a contributing author to Consumer Credit Regulation, 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.

Chi Chi Wu, contributing author, is an NCLC staff attorney focusing on consumer credit issues, including fair credit reporting, credit cards, refund anticipation loans, and medical debt. She is the author of Fair Credit Reporting, co-author of Collection Actions and contributing author to Truth in Lending and Consumer Credit Regulation. She was formerly an Assistant Attorney General with the Consumer Protection Division of the Attorney General of the Commonwealth of Massachusetts and an attorney with the Asian Outreach Unit of Greater Boston Legal Services.

Charles Delbaum, contributing author, is a senior consumer class action litigator at NCLC and frequent presenter at consumer law conferences. He is the co-author of Consumer Class Actions and is also contributing author to Fair Debt Collection and Fair Credit Reporting. Prior to joining NCLC in 2005, he was the Director of Litigation and Advocacy at New Orleans Legal Assistance for many years. In 2000, he was the recipient of the Louisiana State Bar Association Pro Bono Publico Career Service Award. In the 1970s and 1980s, he was a United States District Court law clerk, a staff attorney in the law reform division of the Cleveland Legal Aid Society, and a founding partner of Stege, Delbaum and Hickman, a firm of former legal aid attorneys in Cleveland, Ohio.

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 Consumer Credit Regulation, Access to Utility Service, and Foreclosures and Mortgage Servicing. Previously, she worked in the labor and employment practice of McCutchen, Doyle, Brown and Enersen in San Francisco.

Geoff Walsh, contributing author, has been a legal services attorney for over twenty-five years. He is presently a staff attorney with NCLC, and 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 upon housing and bankruptcy issues. He is a co-author of Foreclosures and Mortgage Servicing and a contributing author to Consumer Bankruptcy Law and Practice, Student Loan Law, Fair Debt Collection, Truth in Lending, and Access to Utility Service.