Rob Treinen is a father, husband, skateboarder, and consumer protection lawyer. He loves all these roles.  He loves living in Albuquerque, NM. He has been a consumer protection lawyer his whole career, starting at New Mexico Legal Aid in 1999, and now running his own one-attorney firm. 

John O’Neal represents persons across North Carolina in matters of auto fraud, solar fraud, unfair/harassing debt collection, credit reporting issues, illegal repossessions, and various other civil matters. John was a founding member and chair of the Consumer Areas of Practice Section of the North Carolina Advocates of Justice (formerly NCATL) and has provided seminars, resources, and advice to countless lawyers and consumers across North Carolina. John is a proud alumnus of the University of North Carolina at Greensboro and the UNC School of Law.

Joshua Shane Horton represents homeowners and consumers in disputes arising from rooftop solar sales, PACE assessments, and the lenders and finance companies that fund those transactions. His practice focuses on cases involving deceptive solar sales practices, consumer financing, lender liability, and disputes arising when solar contractors or finance companies fail. Joshua litigates in Florida state and federal courts and in arbitration, relying on claims and defenses arising under the Truth in Lending Act, the Florida Deceptive and Unfair Trade Practices Act, common-law fraud, and related consumer-protection theories. He founded The Joshua S. Horton Law Firm, P.A. in Jupiter, Florida in 2020 and is a founding member of Energy Consumer Law Group.

Doug Rosner has been litigating cases and preparing for trial for over 40 years. While most cases settle, the rest proceed to trial. He maintains a low-volume practice, accepting only the cases that interest and inspire him. He immerses himself in his work, developing a deep understanding of the facts and the law. His interest in solar litigation grew out of handling elder abuse cases, as many solar frauds targeted seniors.  He is also well-versed in Collaborative Law, an approach that fosters resolution by identifying common ground between parties. He is currently available to serve as co-counsel on California matters.

Andrea Bopp Stark is a senior attorney at the National Consumer Law Center (NCLC) with over 25 years of consumer litigation experience working for both legal aid and private law offices. She focuses her work on policy advocacy, writing, and training regarding fair debt collection and mortgage servicing. A contributing author to NCLC’s Fair Debt Collection, Home Foreclosures, and Mortgage Servicing and Loan Modifications manuals, Andrea also serves as the curriculum coordinator for NACA and NCLC’s three primary national conferences each year.

Dr. Susan Jagendorf-Sobierajski has spent her career in the international education and global learning fields. Before her retirement as the executive director of international education at the State University of New York at Cobleskill, Dr. Jagendorf-Sobierajski oversaw collaborative international academic programs, faculty overseas initiatives, and the Fulbright Language Teaching Assistant program. Dr. Jagendorf-Sobierajski holds a bachelor's degree in Spanish and two master's degrees in linguistics and English as a second language. Her Ph.D. in linguistics was awarded by the City University of New York Graduate Center. She was also the recipient of a Fulbright scholarship and has traveled extensively.

Rebecca Smolar is the Director of Education at NACA. She partners with NACA members to create NACA’s online and in-person educational programs. Before joining NACA, she worked on global workforce skills and knowledge development through the State University of New York (SUNY) and Washington-DC area think tanks. Ms. Smolar and Dr. Susan Jagendorf-Sobierajski co-authored the Guide to Intercultural Skill Development and Assessment. Ms. Smolar received a M.A. in International Communications from American University and her B.S. in Psychobiology from SUNY Binghamton.

A California native, Charles Cummins is the first person in his family to attend college and law school. He completed his undergraduate studies at the University of California, Santa Barbara, receiving his bachelor’s degree in history. After relocating to the Central Coast, Charles began working and advocating in mental health. While in that role, he developed a deep sense of purpose in helping individuals facing adversity and societal challenges. Drawing from his previous experience in mental health, Charles also brings a wealth of practical insight and a strong sense of purpose to his legal work. A graduate from San Luis Obispo College of Law, Charles is a board member of the San Luis Obispo County Bar Association, a leadership team member of the San Luis Obispo County Unity Bar, teaches Civil Procedure at San Luis Obispo College of Law, and currently mentors law students preparing for the California State Bar exam. He brings his personal history and legal prowess to fruition through staunch advocacy for the consumer.

After meeting his wife, Kim – a California native – while studying abroad in Alicante, Spain, Matthew Loker decided to follow love and moved to San Diego to attend California Western School of Law. Matt served as President of the Entertainment & Sports Law Society and Vice President of the Alternative Dispute Resolution Society and earned various awards such as the Academic Achievement Award and the Telecommunications Award while in law school. Matt then joined one of the top consumer protection firms in the country straight out of law school where he was a Partner for several years. In 2019, Matt decided to start Loker Law, APC and focuses on consumer protection cases involving identity theft, credit reporting issues, and unfair debt collection practices. Matt also teaches Contracts to first year law students at the San Luis Obispo College of Law.

Matt Osborne started his own firm in 2009, the day after he passed the bar exam. He began with bankruptcies and divorces, but he moved into consumer protection law when collection agencies started harassing several of his friends over debts they didn't owe. Not long after, his own identity was stolen, and a bank and a credit bureau ruined his credit over a debt he didn't owe. He has handled consumer protection cases ever since and has successfully represented hundreds of people taken advantage of by large, powerful corporations. Before becoming an attorney, Matt served five years in the U.S. Navy. He was stationed at the Pentagon during the 9/11 attacks and later served in Iraq from 2003 to 2004. While in the Navy, he took college classes in his off-duty hours and earned his bachelor's degree from Columbia College. After leaving the Navy, he earned his law degree from Michigan State University. Matt grew up in Arvada, Colorado. He is married with four kids, and his hobbies include fishing, hiking, traveling, reading, and suing big corporations.

Colin Harnsgate is an Assistant Attorney General in the Massachusetts Attorney General’s Office’s Consumer Protection Division.  He has been a consumer protection attorney for ten years.  Before joining the Attorney General’s Office, Colin worked in legal aid through AmeriCorps and then as a staff attorney with the Volunteer Lawyers Project in Boston, where he focused on tenants’ rights, debt collection defense, and bankruptcy.  Colin joined the Massachusetts Attorney General’s Office in 2023, where his work focuses primarily on predatory debt collection practices, landlord-tenant issues, and junk fees. 

Jeremy E. Hollander, Deputy Director for the Office of Consumer Protection. Hollander oversees the Division’s primary investigative and enforcement arm, which is responsible for investigating fraud, processing and investigating consumer complaints, enforcing the Consumer Fraud Act and related state statutes, and registering and overseeing New Jersey’s regulated businesses, charitable organizations, and legalized games of chance. Previously, Hollander served as an Assistant Attorney General in the Division of Law’s Affirmative Civil Enforcement Practice Group, where he prosecuted violations of the Consumer Fraud Act and matters before the state’s professional and occupational boards. Before joining State government in 2018, Hollander practiced law as an associate in the Litigation Department of Skadden, Arps, Slate, Meagher & Flom LLP in New York. He also served as a law clerk to the Honorable Deborah L. Cook of the United States Court of Appeals for the Sixth Circuit in Akron, Ohio. Hollander earned his B.A. and M.A. from Boston University and his J.D. from New York Law School.

Ariel Nelson is a senior attorney at the National Consumer Law Center (NCLC) focusing on credit reporting, tenant and employment screening, consumer protections for renters, and consumer issues affecting justice-involved people and their families. She directs NCLC’s Criminal Justice Debt & Reintegration Project. Prior to working at NCLC, Ariel investigated and litigated administrative and environmental law cases as a staff attorney/clinical teaching fellow at Georgetown University Law Center. She also served as a law clerk to the Honorable Judge David O. Carter of the U.S. District Court for the Central District of California and to the Honorable Judge Dorothy W. Nelson of the U.S. Court of Appeals for the Ninth Circuit. She holds a B.A. from the University of California, Berkeley and a J.D. from Harvard Law School.

Serena Mosley-Day joined the Federal Trade Commission (FTC) in June 2022 as an attorney. Before joining the FTC, Serena was the Senior Advisor for HIPAA Compliance and Enforcement at the U.S. Department of Health and Human Services. Serena’s previous experience includes working as an attorney at the Social Security Administration and a supervisory attorney for the U.S. Department of Education. Serena is a distinguished graduate of the United States Air Force Academy, obtained her Master of Public Management and Juris Doctor degrees from the University of Maryland, and earned an LLM in Health Law from Georgia State University.  Following law school, she clerked for the Honorable S. Martin Teel, Jr., of the United States Bankruptcy Court for the District of Columbia.

Drew Sarrett has practiced consumer law since 2011. He also represents individuals in civil rights, employment, and discrimination matters. He has tried cases in multiple courts and argued successful appeals before the Supreme Court of Virginia. He serves as the President of the Board of Directors for Virginia Judges and Lawyers Assistance Program and on the Board of Directors for the Virginia Poverty Law Center. He currently focuses on individual and class consumer protection cases, with a primary focus on FCRA and auto defect matters.

Angel Rose Kwaterski is the Consumer Law Priority Coordinator at Legal Action of Wisconsin and is currently based in their Oshkosh, Wisconsin office. Angel provides oversight, mentorship and training related to all consumer matters that the firm assists with. In addition to her role as Priority Coordinator, she is a staff attorney within the Elder Rights Project where she provides legal representation to Wisconsin residents aged 60 or older who are victims of crimes as it relates to housing, family, and consumer law issues. Angel specializes in consumer related issues such as auto fraud, financial exploitation, debt collection matters and bankruptcy. Angel received her Bachelor of Arts from Marquette University in 2013 and her Juris Doctor from The John Marshall Law School, now known as UIC John Marshall Law School in 2016.

Jenelle Dennis is the Managing Attorney of The Consumer Law Lab, PLLC, a consumer protection practice serving clients in DC, Maryland, and Virginia. She brings over 23 years of consumer law experience, including 14 years at the Consumer Financial Protection Bureau, where she served as Senior Counsel for Enforcement Policy & Strategy, Market Lead for Payments, and Senior Litigation Counsel. Her CFPB enforcement work contributed to over $600 million in consumer redress and civil money penalties in major actions against Equifax, Discover Bank, GreenSky, Enova, General Information Services, and CashApp. Jenelle now focuses her practice on EFTA/Regulation E violations, payment processor fraud, credit reporting, and consumer lending. Her enforcement background gives her pattern recognition for Reg E violations that translates directly into litigation strategy, including the emerging gaps in protection for consumers victimized by fraud on payments platforms.

Divya Subrahmanyam is a Supervising Attorney with the Consumer Law Project at CAMBA Legal Services, Inc., a community-based nonprofit that serves low-income New Yorkers. She advocates for consumers facing a broad range of issues, including unfair debt collection practices, identity theft, auto fraud, predatory lending, inaccurate credit reporting, and more. In addition to state court debt defense, Divya and her colleagues at the Consumer Law Project also bring pathbreaking affirmative litigation and appeals to combat abusive practices, protect consumers, and advance the law, with a special focus on survivors of violence and victims of fraud.