David Marco is one of the founding partners of SmithMarco, P.C., and he has devoted the overwhelming majority of his professional career to the practice of consumer litigation and to protecting consumers' rights. He has many years of litigation experience and currently represents consumers in individual and class action cases arising out of the Electronic Fund Transfer Act, the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Illinois Consumer Fraud & Deceptive Business Practices Act, the Florida Deceptive and Unfair Trade Practices Act, the Florida Consumer Collection Practices Act, and other consumer-related statutes. David has successfully briefed and argued myriad motions on a wide range of issues, arbitrated hundreds of cases, and tried countless cases to verdict, including an approximately $250,000 arbitration award against Citibank for violating the Electronic Fund Transfer Act

Larry P. Smith is a consumer attorney, handling matters involving the FCRA, FDCPA, and EFTA, as well as state consumer fraud/UDAP matters for over eighteen years. He is the managing partner at SmithMarco, P.C., which he established in 2005. Mr. Smith has tried dozens of consumer rights cases to verdict in the state and federal courts of Illinois, Georgia, and Wisconsin and has arbitrated over 700 cases. Additionally, he has amicably resolved over 4,000 consumer fraud, FCRA, and FDCPA cases via settlement. Mr. Smith earned his Juris Doctor from The John Marshall Law School in 1993. He earned his B.A. degree in Political Science from the University of Illinois in Champaign-Urbana in 1990. Mr. Smith has been a member of NACA for the past twelve years and has served as Illinois state chair

Jarrett Faber is an Associate with Kneupper & Covey and has been practicing law since 2021. During his time with Kneupper & Covey, Jarrett has gained experience representing consumers in state and federal court, as well as in arbitration proceedings. Jarrett has focused his practice thus far on cases related to debt collection, warranty disputes, and unfair and deceptive business practices.

Tashia Zeigler practices in Georgia.  She worked for over a decade as a public interest lawyer in State government and now practices with The Zeigler Firm in Atlanta, Georgia.

Dawn McCraw is passionate about consumer rights and the increasing need for consumers to fight inaccurate and damaging credit reporting and illegal debt collection. Her experience in credit and debt goes back more than fifteen years when she co-owned a company which helped consumers with credit and debt issues. Dawn has acted as the lead attorney in hundreds of FCRA cases and is currently Senior Counsel at the Consumer Justice Law Firm.

Sparky Abraham is a former legal aid and government lawyer. He now has a solo practice called Jubilee Legal based in Oxnard, California.

Matt Osborne practices in Northglenn, CO. His practice focuses on FCRA, auto fraud, and bad faith insurance. Prior to becoming a lawyer, he served five years in the Navy. Matt went to law school at Michigan State. He is married with four kids. His main hobby is suing big corporations.

Erika Heath fights for economic justice on behalf of consumers and employees, with a particular focus on erroneous credit/background reports, unlawful debt collection practices, bank fraud, ID theft, and other unfair trade practices. Erika is particularly passionate about assisting fellow members of the LGBTQ+ community through those employment and consumer legal challenges. She is currently Of Counsel to Francis Mailman Soumilas, P.C., and a Lecturer at Berkeley Law. 

Raina Bayas is a seasoned litigator and CEO of The Bayas Firm, PLLC, a consumer protection firm focused on Lemon Law, Auto Fraud, Diminished Value Claims. She started her litigation career at a nationwide law firm in California defending airbag and seatbelt manufacturers in product liability cases. Finding her life lacked purpose and becoming completely depressed, she set off on a year’s long existential search that led her to Denver, Colorado. She took the Colorado bar after volunteering for an organization that spoke to her soul, Rocky Mountain Victim’s Law Center.  She became a Project Director and eventually Legal Director. In 2013, she became a Deputy District Attorney in Boulder, County. During her five year career there, she became a part of the Consumer Protection Division, and prosecuted cases against at-risk individuals and white collar crimes. In late 2021, she melded her passion for fighting for justice (this time for consumers) and her interest in entrepreneurship to create The Bayas Firm, PLLC. Since starting the Bayas Firm, she has succeeded in obtaining hundreds of thousands of dollars for her clients.  

Raina is active the consumer protection community, as the Colorado Chair for NACA, a former member of the Consumer Law Committee of the Colorado Bar Association, and a member of the Colorado Consumer Protection Coalition. She has testified before the Colorado legislature, defending a bill to end onerous requirement for Colorado’s UDAP and participated in Colorado’s Advocacy Week, meeting with US Congresspeople from Colorado to defend the CFPB. She loves to dish with her NACA colleagues on all things consumer protection related and is grateful for and humbled by this community.

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.

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.

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.

Malissa Lambert Giles is a partner with the firm of Giles & Lambert, PC, in Roanoke, Virginia, with additional offices in Blacksburg and Martinsville.  She and the firm, which was formed in 1993, limit their current practice to the areas of bankruptcy and consumer rights, focusing on debtor and plaintiff representation.She has served as editor of the Bankruptcy Law News, and has served as chair of the Board of the Virginia State Bar’s Bankruptcy Section. Her work in discharging student loans has led to the discharge or forgiveness of more $2,500,000 in student loans for debtors living in the Western District of Virginia  since 2022. 

Emanwel “Manny” Turnbull is a partner at the Holland Law Firm, P.C., in Annapolis, Maryland. Educated at St Hugh’s College, Oxford University, the College of Law in London and the University of Maryland School of Law, he is in charge of the firm’s Fair Credit Reporting Act practice, focusing on identity theft and debt-not-owed claims. He’s also taught as an Adjunct at the University of Baltimore and served as Treasurer of Economic Action Maryland.

Helen Hoeffel has been practicing law since 1994, with a background in real estate title litigation, consumer law, and appellate work. She is currently a senior staff attorney at Legal Assistance for Seniors in Oakland, California where she assists older adults with consumer issues such as illegal home solicitation contracts and debt defense. Her prior litigation experience includes quiet title and escrow matters, predatory lending, financial elder abuse, and wrongful foreclosure. She is a board member for the Alameda County Bar Association and chairs the ACBA business section.

Deborah Cuevas Hill is a Managing Attorney of the Consumer Advocacy and Home Ownership Preservation Practice at Legal Counsel for the Elderly (LCE). In this role, Debbie leads a team representing low-income seniors who are victims of financial exploitation and real property fraud and/or facing foreclosure. Prior to joining LCE, Debbie was a Consumer Unit Supervising Attorney at Legal Aid DC where she focused on preserving the limited income and assets of her clients by providing representation in foreclosure and debt collection cases and advocated for laws that protect D.C. consumers from unfair and deceptive practices. Debbie previously clerked at the D.C. Court of Appeals for the Honorable Inez Smith Reid. 

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.

Geoff Stahl has extensive litigation experience in both class actions as well as representation of individuals. Through the years, Geoff has gained a reputation for handling complex civil and commercial litigation, banking and finance disputes, consumer fraud and protection issues, as well as insurance coverage disputes and litigation related to contractual and statutory interpretations and violations, to name a few. Geoff also works very closely with appellate lawyers for cases appealed. When not fighting for justice or participating in the community, Geoff loves spending time with his wife and three daughters. He’s also a proud Dolphins, Marlins, Panthers, and Heat fan!

Carolyn E. Coffey is the Director of Litigation for Economic Justice at Mobilization for Justice (MFJ), a civil legal services organization that provides advice, counsel, and representation to New Yorkers with low incomes. She supervises MFJ’s Consumer Rights Project and engages in consumer policy advocacy. Carolyn co-chairs the New York City Consumer Advocates Taskforce and is a former co-chair of the board of the National Association of Consumer Advocates.

Hashim Rahman runs a consumer law practice based in New York City. He specializes in cases pertaining to credit reporting, identity theft, debt collection harassment, tenants’ rights, banking fraud, home-improvement fraud, product misrepresentations, and environmental law. He has litigated cases in federal and state courts under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Racketeer Influenced and Corrupt Organizations Act, the Truth in Lending Act, and other statutes. He is a graduate of Pace Law School, where he earned his JD, and the University of Chicago, where he earned a BA in sociology

Josh Cohen began his legal career in 2008 by founding his own firm focused on consumer protection and quickly developed a niche in student loan law. Within nine months, he filed his first class action against the student loan industry. His practice helps borrowers navigate default, repayment plans, collection defense, affirmative claims, and bankruptcy discharge—successfully discharging over $3M in student loans to date. Josh also trains attorneys through his long-running Student Loan Law Workshop and developed Student Loan Toolbox, a software tool to help attorneys counsel clients on student loan issues.

Jay S. Fleischman is a consumer protection attorney licensed in New York and California. Since 1995, his practice has focused on student loan law, consumer bankruptcy, and debt collection defense. A seasoned educator and advocate, Jay has built a substantial digital presence by making complex legal issues accessible. His plain-language content has garnered over 3.2 million views and attracted over 225,000 followers across TikTok, Instagram, LinkedIn, and YouTube. He also regularly publishes content at MoneyWiseLaw.com, where he helps consumers better understand their financial rights and options.

Adam S. Minsky is licensed in Massachusetts, New York, and Vermont and is one of the nation’s leading authorities in student loan law. He remains one of the only attorneys in the country with a practice devoted entirely to helping student loan borrowers and their families. Attorney Minsky provides counsel, legal assistance, and direct advocacy for borrowers on a variety of student loan-related matters. He has been interviewed by major national media outlets including The New York Times, NPR, The Boston Globe, The Washington Post, and The Wall Street Journal, and has been named a Massachusetts Super Lawyer “Rising Star” multiple times since 2015. Attorney Minsky regularly speaks to students, graduates, and advocates about student debt, and writes about the topic in a variety of publications and platforms. He has published three handbooks including The Student Loan Handbook for Law Students and Attorneys, published by the American Bar Association. Attorney Minsky has also been contributing author to the National Consumer Law Center’s manual, Student Loan Law. He is a senior contributor at Forbes.com, where he writes about the latest developments in the student loan space. Attorney Minsky received his undergraduate degree, with honors, in Philosophy and Political Science from Boston University, and his law degree from Northeastern University School of Law.