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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 NCLC’s Repossessions, co-author of Consumer Credit Regulation, Mortgage Lending, Automobile Fraud, 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.

John W. Van Alst, co-author, is an NCLC staff attorney whose focus includes warranty 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 NCLC’s Automobile Fraud and Consumer Rights for Domestic Violence Survivors. He is a contributing author to Consumer Credit Regulation, Unfair and Deceptive Acts and Practices, Foreclosures and Mortgage Servicing, and Repossessions.

Jonathan Sheldon, co-author, has been an NCLC staff attorney writing on warranty law, deceptive practices, leasing, automobile issues, and other consumer law topics since 1976. From 1973 to 1976 he was a staff attorney with the Bureau of Consumer Protection, Federal Trade Commission. His publications include NCLC’s Unfair and Deceptive Acts and Practices, Federal Deception Law, Automobile Fraud, Collection Actions, Consumer Credit Regulation, and Consumer Warranty Law.

Elizabeth De Armond, a contributing author, is on the faculty of Chicago-Kent College of Law, where her research focuses on consumer law and privacy issues. She is a contributing author to Federal Deception Law and to Fair Credit Reporting. Previously, she was in private practice in Texas and a clerk for the Hon. Cornelia Kennedy of the United States Court of Appeals for the Sixth Circuit. She is a member of the Illinois, Massachusetts, and Texas bars.