© Copyright 2010, National Consumer Law Center, Inc. All rights reserved.
abot tHe atHors
is an investigative reporter and advocate with the National Consumer LawCenter.
Robert J. Hobbs
is deputy director of the National Consumer Law Center.
The views and opinions expressed in this paper are solely those of the National Consumer LawCenter (NCLC), which takes full responsibility for all that is written here.The authors thank Carolyn Carter and Willard Ogburn of NCLC for their editorial review andinput; Julie Gallagher for designing and formatting the report; and Tamar Malloy of NCLC forproofreading.
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abot tHe nationa Consmer aw Center
The National Consumer Law Center
, a nonprot corporationfounded in 1969, assists consumers, advocates, and public policymakers nationwide on consumer law issues. NCLC works towardthe goal of consumer justice and fair treatment, particularly for thosewhose poverty renders them powerless to demand accountabilityfrom the economic marketplace. NCLC has provided model languageand testimony on numerous consumer law issues before federal andstate policy makers. NCLC publishes an 18-volume series of treatiseson consumer law, and a number of publications for consumers.
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