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Surviving Debt (12th ed. 2020) is the culmination of years of work and contributions from experts in the field. We also have received support from the AFL-CIO, the United Auto Workers, the Public Welfare Foundation, various church groups, and NCEE/AT&T Consumer Credit Education Fund. The views in this book are NCLC’s and not those of any other entity.

NCLC attorneys contributing to this edition include: Jen Bosco, Carolyn Carter, Joanna Darcus, Charlie Harak, Brian Highsmith, April Kuehnhoff, Sarah Mancini, Andrew Pizor, John Rao, Geoff Walsh, Olivia Wein, and Chi Chi Wu. Also contributing are Ron Abrams of the National Veterans Legal Services Program, Pat Baker of Massachusetts Law Reform, Eric Dunn of the National Housing Law Project, Elizabeth Maresca of Fordham Law School, Cathy Schoen, and Claudia Wilner of the National Center for Law and Economic Justice.

Jon Sheldon authored the 1992, 2019, and this edition; Gary Klein authored the 1996, 1999, and 2002 editions; Odette Williamson co-authored the 2002 edition; John Rao co-authored the 2005 and 2006 editions; and Deanne Loonin coauthored the 2005 and 2006 editions and authored the 2008, 2010, 2013, and 2016 editions.

Although too many to thank individually, we also recognize the many current and former NCLC attorneys and other experts in the field for their assistance in this project through eleven prior editions over the last 28 years.

Special thanks to Denise Lisio for editing this edition and for production management, Eric Secoy for editing a prior edition, Katie Eelman and Josh Ambre for editorial assistance, Julie Gallagher for typesetting, and Francisco Javier Rivera for cover design.