Andrea Bopp Stark is a senior attorney at the National Consumer Law Center Boston office focusing on writing and teaching about fair debt collection practices and mortgage servicing issues. Andrea is also involved in advocating for foreclosure prevention and fair debt collection policies on the state and federal level. Andrea is a contributing author to NCLC’s Fair Debt Collection, Home Foreclosures, and Mortgage Servicing and Loan Modifications legal manuals. Previously, Andrea was a partner at Molleur Law Office in Biddeford, ME, and worked as an attorney for Northeast Legal Aid in Lawrence, Massachusetts where she was one of NCLC’s first recipients of the John G. Brooks fellowship. Andrea holds a B.A. from the University of Vermont and obtained her JD and Masters of Social Work from Boston College. She is admitted to practice law in Massachusetts & Maine.

Rebecca Smolar is the Associate Director of Education at NACA. She is responsible for partnering with NACA members to develop and strengthen NACA’s education and training offerings and to ensure that members are kept abreast of trends in the field. Before joining NACA, she created continuing education programs for high school teachers and college professors through the State University of New York and Washington-DC area think tanks. She started her career as an Officer of Public Affairs at the Embassy of Israel where she gave hundreds of speeches about Israel and U.S.-Israel relations. Ms. Smolar received a M.A. in International Communications from American University and her B.S. in Psychobiology from SUNY Binghamton.

Michael F. "Mike" Cardoza is a California Consumer Financial Protection Attorney who helps Identity Theft victims regain control of their financial lives by getting the upper hand on banks and credit reporting agencies. Trained as a trial attorney in the U.S. Marine Corps, Mike has tried cases in federal and state courtrooms.

"Madison “Maddi” Borison practices consumer protection law as an attorney with the Borison Firm, LLC. She represents individuals facing abusive debt collection, credit reporting errors, predatory lending, and wrongful repossessions. Maddi’s path into consumer law was shaped by time in both private practice and the courts, including a judicial clerkship for a Maryland Circuit Court judge. Those experiences gave her a practical understanding of how cases move from initial filing to trial, and how ordinary people can be overwhelmed by a system built for institutional players. At the Borison Firm, she works within a team known for holding banks, lenders, and collectors accountable. Her role focuses on standing with clients in moments of real vulnerability—when the stakes are not abstract but measured in housing, wages, and dignity.

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.

Suzanne Iazzetta is the Directing Attorney of Public Law Center’s Consumer Law Unit, and is an Adjunct Professor of Law at UC Irvine School of Law, teaching a course/clinic in Consumer Rights and Economic Justice.  Some of the areas of law that Suzanne has worked on in her career are all facets of consumer law, bankruptcy (business and personal), housing/eviction matters, foreclosure defense, FDCPA, FCRA, TCPA, and UDAAP claims, and debt collection defense. Suzanne also spent time as a staff attorney for a chapter 7 bankruptcy trustee in New Jersey and had her own solo practice for many years before joining Public Law Center.

Monica Eav Glicken is the CEO/Executive Director and General Counsel of Public Law Center in Santa Ana, CA.  Monica served as the Directing Attorney of PLC’s Immigration Unit from 2018 to 2022, where she worked with community-based and advocacy organizations serving Orange County’s immigrant and refugee communities. Prior to joining Public Law Center, Monica served as a Counseling Attorney and Adjunct Lecturer in UC Irvine School of Law’s Immigration Rights Clinic. As the child of immigrants from Cambodia and the Philippines, Monica is a long-time advocate for those who must fight to be heard, working tirelessly to promote greater access to justice and community empowerment.

Lynn Drysdale is Division Chief of the Consumer Advocacy & Litigation Unit at Jacksonville Area Legal Aid, where she has worked since 1988. Over her career, she has represented consumers in individual and class actions related to consumer protection, including cases involving residential mortgage lending, servicing, and foreclosure. She regularly engages in legislative advocacy on these and other subjects, testifying annually before the Florida legislature as well as twice before Congress. Ms. Drysdale is also a prodigious legal educator, regularly serving as a trainer for organizations including the National Consumer Law Center and the National Association of Consumer Advocates. She also taught a course on consumer law at the University of Florida College of Law for over ten years. She was Chair of the Mortgage and Small Business Lending Markets subcommittee of the Consumer Advisory Board of the Consumer Financial Protection Bureau until fired by President Trump in his first term. She received her J.D. from the University of Florida College of Law.

Rosemary Shahan is the president and founder of Consumers for Auto Reliability and Safety (CARS). CARS is widely recognized as one of the nation's leading pro-consumer advocacy groups. CARS has spearheaded enactment of many landmark measures to improve protections for new and used car buyers and enhance auto safety, in California and nationally. CARS is also on the forefront in working to preserve access to justice. Rosemary has been repeatedly invited to testify before Congress, and is widely quoted by major news organizations. She has received numerous awards, including from the Consumer Federation of America, National Consumer Law Center, and the National Association of Consumer Advocates. Recent legislative victories:  Leading successful efforts in multiple states to defeat car dealer “license to kill” legislation that would have allowed car dealers to get away with selling hazardous unrepaired recalled cars that maim or kill people. On the brink of passage: Leading efforts in California to support enactment of the nation’s most sweeping overhaul of car buying practices, including a first-in-the-nation 3-day cooling off period for used car buyers.

Young Walgenkim is an attorney in Salem, Oregon specializing in auto fraud, and he is a member of NACA’s board. His passion for consumer rights began at a young age as he witnessed his immigrant parents fall victim to financial exploitation by unscrupulous businesses. Since opening his firm after law school, Young has devoted his practice to righting wrongs perpetuated by car dealers on all fronts. In 2019, Young’s advocacy steered a bill through the Oregon legislature that provides attorney fee awards for consumers in vehicle title violation claims. In 2021, he navigated legislation that requires Oregon courts to reward attorneys who promote access to justice in fee hearings. This year, Young was instrumental in passing an amendment to significantly improve Oregon's Yo-Yo statute. 

David Chami is the Co-Founder and Managing Partner for Consumer Justice Law Firm with approximately 30 lawyers licensed to practice in 35 states.  David's firm primarily handles cases under the Fair Credit Reporting Act and other adjacent consumer protection statutes.  David has been involved in thousands of consumer protection lawsuits and nearly a thousand cases that have been filed in Arbitration over the past 10 years.  David's firm recently filed an anti-trust lawsuit against AAA arguing that its business model has created barriers to entry for competitors and has resulted in a forum which prevents the administration of justice rather than simply making it more efficient. 

Hannah Kieschnick is a senior staff attorney on the Access to Justice Project at Public Justice, a national public interest advocacy organization that specializes in precedent-setting, socially significant civil litigation. Hannah litigates high-impact appeals across the country involving access to justice, including forced arbitration. She also regularly speaks at national conferences on topics such as arbitration and class certification. Along with co-counsel, Public Justice filed an amicus brief in Hohenshelt v. Superior Court, a recent case in the California Supreme Court that upheld the constitutionality of a state law addressing company's failures to pay arbitration fees. 

Christine Chen Zinner is the Federal Research and Advocacy Director at the Alliance for Justice, working to build a rights-expansive federal judiciary that is both demographically and professionally diverse. She began her consumer advocacy journey as the 2006 Esther Peterson Fellow at Consumer Reports and since then, has continued working on proposals to protect consumer rights, increase corporate accountability and end forced arbitration. While at the American Association for Justice, Christine was part of the team that helped pass the Speak Out Act, a federal law that prohibits the enforcement of non-disclosure agreements stemming from instances of sexual assault and harassment. Christine has also led several consumer financial justice initiatives to help build an equitable financial system that serves everyday people and not just billionaires and the powerful few. She has appeared as a consumer policy expert on NPR’s Morning Edition, and has been quoted in a number of media outlets, including the NY Times, USA Today, the Washington Post, the Los Angeles Times, MSNBC, Bloomberg, the Guardian, and the American Banker.

Christine Hines is Legislative Director at the National Association of Consumer Advocates (NACA), where she advocates on consumer protection issues, including financial services, auto fraud, and access to justice, which covers the ongoing fight to end forced arbitration in consumer and worker contracts. Before joining NACA, she was Consumer and Civil Justice Counsel at Public Citizen for seven years. Previously, she practiced law briefly before moving into consumer protection policy advocacy.

Hans Lodge is a zealous advocate and is dedicated to protecting the rights of consumers in and out of court. Mr. Lodge assists consumers who have been denied jobs or housing due to inaccurate criminal and civil record history reporting in their employment screening and tenant screening background check reports. Mr. Lodge also assists consumers who have been denied credit due to inaccurate information reporting in their credit reports and have suffered harm due to unlawful debt collection behavior. Mr. Lodge primarily focuses his practice on claims brought under the FCRA on behalf of consumers against CRAs, which include Equifax, Experian, and Trans Union and various employment and tenant screening CRAs. Prior to joining Berger Montague PC, Mr. Lodge combined his passions for fighting for the little guy and oral advocacy by representing consumers in individual and class action litigation where he held businesses, banks, background check companies, credit bureaus, and debt collectors accountable for illegal practices.

Stacy Bardo has dedicated her law practice for the last 20+ years to the protection of everyday people. Based in Chicago, Stacy files suits for consumers who have been the victims of unlawful business practices, consumer fraud, wrongful repossessions, automobile fraud, identity theft, and false credit reporting. She has been appointed class counsel in numerous national and statewide class actions certified in IL, NY, CA, MI, MN, and WA. Stacy is a past co-chair of NACA’s Board of Directors and currently serves on the NCLC/NACA Conference Steering Committee. Stacy is a graduate of Northwestern University and Loyola University Chicago School of Law.

Angie Robertson is a Partner at Philipps & Philipps, Ltd. Since joining Philipps & Philipps, Ltd., in 2012, she has represented over 1,000 consumers in federal district and appellate courts, securing significant victories in Fair Debt Collection Practices Act cases. With extensive experience in class action litigation, complex discovery, and appellate briefing, Angie is dedicated to navigating complex consumer protection statutes to holding financial entities -- like debt collectors, credit reporting agencies, and banks -- accountable. In addition to her litigation work, she currently serves as the Board Co-Chair of the National Association of Consumer Advocates, actively shaping policy and legal strategies that support consumer advocates and consumer rights nationwide. Angie is a 2010 graduate of the Loyola University Chicago School of Law.

Berneta L. Haynes is a senior attorney who focuses on consumer energy policy and medical debt. At NCLC, she recently authored Protecting Older Adults from Surprise Medical Bills and The Racial Health and Wealth Gap: Impact of Medical Debt on Black Families. She is also a contributing author to the medical debt chapter of NCLC’s Collection Actions practice manual and NCLC’s Surviving Debt consumer guide.

Keith Hagan is a Partner at Hofer Hagan LLP, a consumer rights and commercial litigation firm based out of Indianapolis. Aside from solar issues, he has litigated complex medical billing disputes for the last eight years as well as commercial lending issues (on the side of the little guy). Keith is a regular contributor, speaker, and panelist on issues regarding medical billing defense, FDCPA, UDAP, and other counterclaims. He is a graduate of the University of Cincinnati College of Law, Class of 2008, and the University of Kansas Class of 2001.