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About the Authors

Elizabeth Renuart, 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 and is a contributing author on 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.

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, 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.

Andrew G. Pizor, contributing author, is a staff attorney in NCLC’s Washington office and a co-author of NCLC’s Consumer Credit Regulation and Mortgage Lending and a contributing author to 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.

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 on housing and bankruptcy issues. He is a co-author of NCLC’s Home Foreclosures and Mortgage Servicing and Loan Modifications, a contributing author to Consumer Bankruptcy Law and Practice, Fair Debt Collection, Student Loan Law, Credit Discrimination, and Access to Utility Service.

Diane E. Thompson, contributing author, was of-counsel with NCLC from 2007 to 2014. She was a contributing author to Stop Predatory Lending. She served on the Federal Reserve Board Consumer Advisory Council and was a homeownership specialist and supervising attorney of the Housing and Consumer Unit of the East St. Louis office of Land of Lincoln Legal Assistance Foundation, Inc. from 1994 to 2007. There she focused on homeownership defense, including installment land contracts, mortgage foreclosure defense, and affirmative suits on behalf of homeowners. Previously, she served as corporate counsel to the largest private nonprofit affordable housing provider in the East St. Louis metropolitan area.

Chi Chi Wu, contributing author, is an NCLC staff attorney focusing on consumer credit issues, including fair credit reporting, credit cards, refund anticipation loans, and medical debt. She is the co-author of Fair Credit Reporting and Collection Actions and contributing author to Credit Discrimination and Consumer Credit Regulation. She was formerly an assistant attorney general with the Consumer Protection Division of the Massachusetts attorney general’s office and an attorney with the Asian Outreach Unit of Greater Boston Legal Services.

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.

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, Mortgage Lending, and Fair Credit Reporting, as well as a co-author of Georgia Real Estate Finance and Foreclosure Law.

Alys I. Cohen, contributing author, is a staff attorney in NCLC’s Washington office, a contributing author to Consumer Credit Regulation and Credit Discrimination, and was co-author of Stop Predatory Lending. Formerly, she was an attorney in the Federal Trade Commission’s Bureau of Consumer Protection, Division of Financial Practices.