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About the Authors

Chi Chi Wu, 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 co-author of Collection Actions and contributing author to Truth in Lending, Credit Discrimination and Consumer Credit Regulation. She was formerly an assistant attorney general with the Consumer Protection Division of the Massachusetts attorney general’s office and an attorney with the Asian Outreach Unit of Greater Boston Legal Services.

Ariel Nelson, contributing author, is a staff attorney at NCLC focusing on credit and background check reporting and criminal justice debt issues. She is the author of NCLC's report Broken Records Redux: How Errors by Criminal Background Check Companies Continue to Harm Consumers Seeking Jobs and Housing; a co-author of NCLC's Commercialized (In)Justice Litigation Guide: Applying Consumer Laws to Commercial Bail, Prison Retail, and Private Debt Collection; and a contributing author of NCLC's Collection Actions treatises. Previously, Ariel litigated administrative and environmental law cases as a staff attorney/clinical teaching fellow at Georgetown University Law Center. She also served as a law clerk to the Honorable Judge David O. Carter of the U.S. District Court for the Central District of California and to the Honorable Judge Dorothy W. Nelson of the U.S. Court of Appeals for the Ninth Circuit. She holds a B.A. from the University of California, Berkeley and a J.D. from Harvard Law School. She is admitted to practice law in Massachusetts, California, and the District of Columbia.

Elizabeth De Armond, contributing author, is on the faculty of Chicago-Kent College of Law, where she directs the legal research and writing program and focuses her scholarship on consumer law and privacy issues. She is a contributing author to Collection Actions and Consumer Warranty Law. 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.

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

Richard Rubin, a contributing author, is a private attorney in Santa Fe, New Mexico whose practice is limited to representing consumers in federal appeals and consulting for other consumer rights specialists. He is a chair emeritus of the National Association of Consumer Advocates, has taught consumer law at the University of New Mexico School of Law, and presents continuing legal education and attorney training programs throughout the country. He was the 2000 recipient of the Vern Countryman Consumer Law Award.

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 NCLC’s Credit Discrimination and Fair Debt Collection. Prior to joining NCLC in 2005, he was the Director of Litigation and Advocacy at New Orleans Legal Assistance for thirteen years. In 2000, he was the recipient of the Louisiana State Bar Association Pro Bono Publico Career Service Award. In the 1970s and 80s, he was a United States District Court law clerk in Pennsylvania, 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.

Persis 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 Consumer Credit Regulation. Prior to joining NCLC, Persis was a Hanna S. Cohn Equal Justice Fellow at Empire Justice Center in Rochester, New York.

Len Bennett, contributing author, is a founding partner of Consumer Litigation Associates, P.C., located in Virginia and practicing nationally and almost exclusively in individual and complex case FCRA litigation. He on the NCLC Partners Council, the Boards of Public Justice and the Virginia Poverty Law Center and previously a board member of the National Association of Consumer Advocates. Leonard has successfully litigated FCRA cases since 1996. Over the years he has been a speaker at numerous conferences, seminars, and workshops, as well as congressional hearings and FTC and CFPB events.

Elizabeth Hanes, contributing author, is an attorney with Consumer Litigation Associates, P.C., where she focuses on the representation of consumers in individual and class cases. She practices in Richmond, Virginia and West Virginia. She is a member of the National Association of Consumer Advocates, the Virginia State Bar Association, the Virginia Trial Lawyers Association, and the Metropolitan Richmond Women’s Bar Association. She is an adjunct professor at the University of Richmond School of Law, and formerly for Virginia Commonwealth University.

Sarah Bolling Mancini, contributing author, is of-counsel with NCLC, focusing on foreclosures and mortgage lending, and also is an attorney in the Home Defense Program of Atlanta Legal Aid. She clerked for the Honorable Amy Totenberg, U.S. District Court for the Northern District of Georgia. She is a co-author of Georgia Real Estate Finance and Foreclosure Law.