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About the Authors

Carolyn L. Carter, the 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 Unfair and Deceptive Acts and Practices, Consumer Warranty Law, Collection Actions, 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.

Jonathan Sheldon, a contributing author, is an NCLC staff attorney writing on 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 Unfair and Deceptive Acts and Practices, Federal Deception Law, Automobile Fraud, and Collection Actions. He also oversees NCLC’s publications program.

John W. Van Alst, a contributing author, is an NCLC staff attorney whose focus includes deceptive practices law, automobile fraud, and manufactured home issues. He directs NCLC’s Working Cars for Working Families initiative. 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 is the co-author of Automobile Fraud, Consumer Warranty Law, and Consumer Rights for Domestic Violence Survivors and is a contributing author to Foreclosures and Mortgage Servicing, Consumer Credit Regulation, and Unfair and Deceptive Acts and Practices.

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

Tara Twomey, a contributing author, is of counsel with NCLC and project director for the National Consumer Bankruptcy Rights Center. Prior to joining NCLC, she was a clinical instructor at the Legal Services Center of Harvard Law School. She has also been a lecturer-in-law at Harvard Law School, Stanford Law School, and Boston College Law School. She is co-author of Foreclosures and Mortgage Servicing and Bankruptcy Basics, and a contributing author to Mortgage Lending, Truth in Lending, Consumer Bankruptcy Law and Practice, and Collier on Bankruptcy.