Leonard Bennett has been an FCRA litigator for over 20 years and has successfully brought cases with his firm and with co-counsel in nearly every state in the nation.  His recoveries are consistently amongst the largest in the field.  Len has successfully tried both individual and class FCRA cases to a jury, and has been lead counsel in the majority of multi-million dollar FCRA class outcomes.

Chi Chi Wu is a senior staff attorney at NCLC and leading expert on fair credit reporting issues.  She also focuses on credit cards, tax-consumer issues, and medical debt. Chi Chi is lead author of the seminal treatise in this field, Fair Credit Reporting Act and a contributing author to Collection Actions, Consumer Credit Regulation, and Truth in Lending. 

Douglas “Doug” Hollon is the owner of Credit Experts of Noth Texas, LLC. He has worked in the consumer reporting industry for over 20 years. His experience includes: 200 plus cases as an expert, previous role as a 30(b)(6) corporate representative for Experian, qualified by both Federal and State courts, testimony in depositions, arbitrations, plus Federal and State trials. His formal education, training, and certifications include consumer reporting, data furnishing, credit risk modeling, credit score development, legal compliance, and credit analysis. Doug is not only available as an expert, but also provided consultation, training, and has been a speaker at national conferences.

James Ristvedt is Managing Attorney & Trial Counsel at Consumer Justice Law Firm. His practice is focused primarily on the FCRA. He has served as lead counsel in countless lawsuits, arbitrations, appeals, and jury trials, helping recover millions of dollars on behalf of consumers across the country. He has also prevailed in multiple appeals, including matters involving successful oral arguments, and has won critical dispositive motions at the trial court level, both by defeating defendants’ motions for summary judgment and by obtaining summary judgment for plaintiffs. In addition to his casework, James leads a litigation team of several attorneys, paralegals, and legal assistants, providing strategic oversight, mentorship, and case development.

Justin Baxter is an AV rated trial lawyer with Baxter & Baxter, LLP, in Portland. He received an $18.5 million verdict against Equifax, a $200,000 verdict against Equifax, a $95,000 verdict against TRS Home Furnishings under the Oregon Unlawful Debt Collection Practices Act, and a $100,000 verdict against a debt buyer and collection law firm under the FDCPA.

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.

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.

Brett Freeman is a solo attorney in Lake Ariel, PA. He received his B.A. from the Pennsylvania State University, and his J.D. from the Indiana University Mauer School of Law. He concentrates his practice on representing consumers in debt defense cases, as well as cases brought under the FDCPA, the FCRA, and the Pennsylvania UDAP statute.

Dan DeLiberty is a consumer rights attorney and founder of The DeLiberty Law Firm and Credit Lawyers.com.  Known throughout the Philadelphia region and beyond as “The Credit Lawyer®”  his firm has helped thousands of consumers throughout Pennsylvania clear millions of dollars of debt, without bankruptcy.  The firm has defended thousands of collections lawsuits over the past two decades, involving credit cards, private student loans, and repo deficiencies.  In addition to debt defense, Attorney DeLiberty advocates for victims of debt settlement and credit repair scams.  Dan has built a reputation as a relentless advocate who levels the playing field for everyday people against billion-dollar financial institutions.

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.

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

Pat McNichol is a lawyer at Kelly Guzzo, PLC, who represents consumers in Maryland, Virginia, and beyond.  Pat specializes his practice in payment fraud and has litigated countless cases in court and arbitration against large and small financial institutions.  Before finding his home in the consumer bar, Pat worked at an international law firm, where he learned how financial institutions operate. Before that, Pat clerked for two federal judges: Judge Lauck in the United States District Court for the Eastern District of Virginia; and Judge Goodwin in the United States District Court for the Southern District of West Virginia. Pat has been named a Virginia Super Lawyer and, on several occasions, one of The Best Lawyers in America: Ones to Watch for Banking and Finance Law.  Over the past four years, Pat has spoken on various issues of payment fraud at conferences for the National Consumer Law Center, the National Association of Consumer Advocates, and the Virginia Poverty Law Center. He also contributed to the Seventh Edition of the Consumer Banking and Payments Law treatise published by the National Consumer Law Center, and he twice co-authored the Virginia chapter in the ABA’s The Law of Class Action: Fifty-State Survey.  Pat lives in Richmond, Virginia, with his wife Caitlin, their daughter Harper, and their two dogs, Leo and Max.

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.