Andrew Guzzo’s practice focuses exclusively on representing consumers, with an emphasis on litigation against internet lenders, credit reporting agencies, and debt collectors. Andrew has litigated more than two dozen cases related to high-cost lending. These cases have involved each of the major players in the industry, including lenders, investors, architects of the rent-a-tribe scheme, tribal officials, specialized credit reporting agencies, and lead generators. Over the past five years, Andrew has been involved in class actions that have returned more than $100 million dollars to consumers and cancelled more than $1 billion in predatory loans.

Sylvia Bolos is a partner at Consumer Justice. Sylvia Bolos is a passionate client advocate and experienced lawyer, dedicated to helping consumers protect their legal rights under the FCRA, TILA, ECOA, TCPA, EFTA and FDCPA. Prior to joining Consumer Justice Law Firm, Sylvia served as General Counsel at 123NET, Senior Counsel at Berger Montague, and Senior Associate Attorney at Lyngklip and Associates. During her time with Lyngklip & Associates, she also co-founded Insight, LLC, a consumer protection consulting firm, designed to train and coach other consumer protection attorneys from across the country.

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. 

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.

Before starting law school at age 40, John Gear was a nuclear engineer, Navy submarine officer, and then an operations management consultant to industry. After law school, he worked as a research attorney for the Michigan Court of Appeals and as a regulatory affairs attorney for the Michigan Public Service Commission. Since 2010, he was been a mostly solo attorney with John Gear Law Office in Salem, Oregon, which is a “Values-Based Oregon law practice serving consumers, elders, employees, and nonprofits."

Heidi N. Miller is a solo practitioner in Milwaukee, Wisconsin.  She is licensed in both California and Wisconsin.  For over ten years, she has focused on consumer law, specifically representing consumers in claims involving improper debt collection actions, unlawful repossessions, credit reporting errors, and auto sales fraud. She enjoys traveling and has visited all seven continents and 125 countries.

Matt Vocci is a partner at Santoni, Vocci & Ortega, LLC. The majority of his work relates in some way to housing. He represents tenants against landlords and property managers on a variety of cases, such as consumer protection and consumer debt collection issues, habitability, Fair Housing Act violations, illegal evictions, and personal injuries. Matt has served as class counsel on several class actions, including a recent case that resolved favorably for tenants against a large, out-of-state property management company. He is a member of the MSBA’s Delivery of Legal Services Committee Council and the ACLU of Maryland Committee on Litigation and Legal Priorities. Matt deeply believes in Santoni, Vocci & Ortega’s mission to provide high-quality legal representation to low-income Marylanders. He graduated cum laude from Temple University, Beasley School of Law in 2006.

Minal Gahlot is a private consumer protection attorney based in Oklahoma City with over a decade of experience advocating for individuals harmed by unfair and deceptive business practices. As the founder of Oklahoma Consumer Law Firm, she represents clients in a wide range of matters, including auto dealer fraud, lemon law violations, solar panel scams, wrongful repossession, credit reporting inaccuracies, abusive debt collection, and identity theft.  Minal has achieved successful outcomes for her clients through jury trials, bench verdicts, arbitration awards, and negotiated settlements. She currently serves as the Oklahoma State Chair for the National Association of Consumer Advocates and has been repeatedly recognized by 405 Magazine as a Top Attorney in Consumer Law.  A frequent speaker at both national and regional conferences, Minal is a passionate advocate for consumer rights and access to justice, dedicating time to volunteer and pro bono efforts across Oklahoma.

Duran Keller is a trial lawyer. He is a graduate of the Gerry Spence Trial Lawyers College and is admitted to practice in Indiana, New York, New Jersey, New Hampshire, and Wisconsin. Most of Duran’s attention is devoted to consumer law, but he often takes cases to support a good cause. Duran fights against all types of injustices, ranging from unfair charges/collection attempts and credit reporting to egregious police brutality cases. He is the chair of the NACA Indiana Chapter, a Super Lawyers Rising Star with multiple consumer appellate victories and record-breaking verdicts, and he has tried multiple cases to jury verdict, including State and Federal court.

Ron Wilcox is a former NACA Co-Chair of the Board of Directors. He is a graduate of Gerry Spence’s Trial Lawyers College and has tried more than 12 cases to a Final Arbitration Award, where in many of them the consumers were awarded punitive and/or treble damages.

Christina Gill Roseman, represents consumers at Roseman Law Firm, PLLC, with offices in Pittsburgh, PA and Morgantown, WV. She has successfully tried numerous cases against automobile manufacturers and dealerships. She is rated as an AV Preeminent attorney, the highest ranking, by her peers through Martindale Hubbell, has been selected as a Pennsylvania Super Lawyer for 2014, 2016, and 2017 and is NACA’s West Virginia state co-chair.

David J. McGlothlin is a partner at the Kazerouni Law Group, APC. He was born in Mildenhall, England, and was raised in Phoenix, Arizona. He attended Northern Arizona University where he received a Bachelor of Science in American Political Studies and graduated Summa Cum Laude. He graduated University of San Diego School of Law in May 2007.David is a licensed attorney in the State of California, the state of Oregon, and the State of Arizona. He is a member of the San Diego County Bar Association, the Maricopa County Bar Association, the Federal Bar Association and the National Association of Consumer Advocates.

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.

Steve Sharpe is a senior attorney at the National Consumer Law Center (NCLC) focusing on foreclosures and mortgage lending. He leads NCLC’s federal mortgage servicing policy work and frequently presents on mortgage servicing and other housing issues. Steve is a co-author of NCLC’s Mortgage Servicing and Loan Modifications, Home Foreclosures, Too Damn High: How Junk Fees Add to Skyrocketing Rents, and the report How GSE Note Sales Undermine Homeownership, which examines the impact of bulk sales of hundreds of thousands of home loans to investors. Steve testified in front of Congress on the state of the U.S. Department of Veterans Affairs (VA) Home Loan Guaranty Program, and he is also a contributing author of the legal treatise Truth in Lending. 

Nick Barthel is a devout consumer protection lawyer that has years of experience litigating identity theft/financial scam cases. In 2024, Nick obtained a $1.9 million verdict in a fraudulent wire transfer case. He lives in San Diego, California and is an amazing guy. If you have not talked to him yet, you totally should. Great to co-counsel with as well, so shoot him an email nick@barthelbarthel.com.

Cliff Carlson is a sole practitioner representing consumers in Texas, Georgia, and Alabama. His practice focuses primarily on consumer debt. He received his Juris Doctorate from the Mercer University Walter F. George School of Law in 2012. Cliff also received a Bachelor of Science in Electrical Engineering from Mercer University in 2005. He generally limits his practice to consumer rights issues, such as Fair Debt Collection Practices Act and Fair Credit Reporting Act Violations.

John Steinkamp has been a practicing lawyer in Indianapolis, IN for eighteen years. His practice, John Steinkamp & Associates, does consumer bankruptcy work and consumer litigation. His office has filed more than 650 FDCPA lawsuits since 2009. A former family law attorney, he has participated in over 300 trials and over 100 mediations. Overall, John has been an attorney in more than 4,000 cases.

Lauren Berman is a Senior Staff Attorney with the Pennsylvania Utility Law Project who has been with the program since 2021.  Lauren splits her time between representing individual clients struggling with accessing and maintaining utility services to their homes and leading Universal Services Proceedings to ensure that all Pennsylvanians have access to safe and affordable utility service.  Prior to her time at PULP, Lauren worked at Southwest Pennsylvania Legal Aid Services (now Summit Legal Aid) within the Fair Housing Law Project.