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About the Authors

Andrew G. Pizor, author, is a staff attorney in NCLC’s Washington office and a co-author of NCLC’s Consumer Credit Regulation and a contributing author to Truth in Lending, Home Foreclosures and to Federal Deception Law. 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.

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 the 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, 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.

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 co-author of NCLC’s Mortgage Servicing and Loan Modifications and a contributing author to NCLC’s Home Foreclosures, Truth in Lending, and Fair Credit Reporting, as well as a co-author of Georgia Real Estate Finance and Foreclosure Law.

Elizabeth Renuart, contributing 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 was the co-author of The Cost of Credit, and Stop Predatory Lending, is the author of Truth in Lending, and is a contributing author to several current NCLC books. 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 a legal services office in Baltimore, Maryland, where she litigated cases involving Truth in Lending, usury, deceptive home improvement practices, mortgage foreclosure defenses, and fraud.

Jonathan Sheldon, contributing author, is an NCLC staff attorney writing on collection actions, repossessions, deceptive practices law, automobile fraud, leasing, and other consumer law topics since 1976. Previously he was a staff attorney with the Federal Trade Commission. His publications include NCLC’s Unfair and Deceptive Acts and Practices, Collection Actions, Automobile Fraud, and Federal Deception Law. He is a contributing author to a number of other NCLC publications. He also oversees NCLC’s publications program.

Tara Twomey, contributing author, is of-counsel with NCLC. She was formerly a clinical instructor at the Legal Services Center of Harvard Law School and a lecturer-in-law at Harvard Law School, Stanford Law School, and Boston College Law School. She is a co-author of NCLC’s Home Foreclosures, Mortgage Servicing and Loan Modifications, and Bankruptcy Basics and a contributing author to Consumer Bankruptcy Law and Practice, Repossessions, and to Collier on Bankruptcy.