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Surviving Debt (13th ed. 2021) is the culmination of thirty 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, Charlie Harak, April Kuehnhoff, Andrew Pizor, John Rao, Abby Shafroth, Steve Sharpe, Andrea Bopp Stark, John Van Alst, Geoff Walsh, Olivia Wein, and Chi Chi Wu. Special thanks to these other attorneys who volunteered their expertise: 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 formerly of the Commonwealth Fund, J. Rachel Scott of the Atlanta Legal Aid Society, Inc., and Claudia Wilner of the National Center for Law and Economic Justice.

Jon Sheldon authored the 1992, 2019, 2020, 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 co-authored 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 twelve prior editions over the last 29 years.

Special thanks to Denise Lisio for editing this and prior editions 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.