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About the Authors

Robert J. Hobbs, co-author, is a senior fellow at NCLC and a former, long time staff attorney and deputy director at NCLC. He has written and consulted since 1972 on debt collection and other consumer credit issues. Prior to that, he was a staff attorney with New Orleans Legal Assistance that was funded to launch the War on Poverty in the U.S. He is an author of the first ten editions of this treatise. He was counsel to amicus curiae in Heintz v. Jenkins, 514 U.S. 291 (1995), served on the FRB’s Consumer Advisory Council, is a founder and former board member and Treasurer of the National Association of Consumer Advocates. He helped initiate and coordinate the NCLC’s annual Fair Debt Collection Practices Conference and the annual Consumer Rights Litigation Conference. He also worked on the enactment of the Fair Debt Collection Practices Act and the FTC’s Holder and Credit Practices rules.

April Kuehnhoff, co-author, is a staff attorney at NCLC, focusing on fair debt collection issues. Prior to joining NCLC, she was a Skirnick Public Interest Fellow at the Cambridge and Somerville Legal Services office of Greater Boston Legal Services, a law clerk for the Honorable Justice Gary Katzmann at the Massachusetts Appeals Court, and an associate at Shapiro Haber & Urmy LLP.

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.

O. Randolph Bragg, contributing author, is an attorney in private practice in Chicago, a former litigation coordinator with the UAW Legal Services Plan, and a former NCLC fellow. He previously was an attorney with Legal Services Corporation funded programs in Pennsylvania and West Virginia. He has litigated FDCPA claims on behalf of consumers in numerous U.S. district and appellate courts and frequently provides training on the FDCPA. He is the 2010 recipient of the Vern Countryman Consumer Law Award. His practice is primarily limited to co-counseling FDCPA class actions in federal courts on behalf of consumers.

Joanne S. Faulkner, contributing author, has a private consumer law practice in New Haven, Connecticut, with a major focus on representing consumers under the FDCPA and other consumer protection laws. Previously, she was an attorney at New Haven Legal Assistance for many years. She has served as chair of the Consumer Law Section of the Connecticut Bar Association and as a member of the FRB’s Consumer Advisory Council. She has contributed to a number of NCLC publications, including Fair Credit Reporting and Credit Discrimination. She is the 2002 recipient of the Vern Countryman Award.

Richard Rubin, 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 advocates. He is 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 is the 2000 recipient of the Vern Countryman Award and in 2006 was named to Lawdragon 500 Leading Plaintiffs’ Lawyers in America.

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 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.

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, Credit Discrimination, and Access to Utility Service.