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Frederick William Schwinn

also known as Fred W. Schwinn

About me

I am a licensed attorney admitted to practice in the States of California and Kansas.  I am the shareholder and owner of the Consumer Law Center, Inc.  My practice is dedicated exclusively to representing consumer debtors in bankruptcy, stopping predatory and abusive consumer lending practices,  and protecting consumers from illegal debt collection activity.

In 1997, I graduated from Washburn University School of Law in Topeka, Kansas where I organized and volunteered at the law school's Volunteer Income Tax Assistance site.  While other law students were training in the law school's legal clinic, I began my legal career in the trenches by filing my own lawsuit against an internet service provider and a credit card company for repeatedly charging my credit card for internet services that I never received.  I opened my law practice directly out of law school and I have been enjoying private plaintiff's practice ever since.

In 1994, I graduated magna cum laude from Washburn University in Topeka, Kansas with a Bachelor of Business Administration in Accounting.  I passed the Uniform Certified Public Accountants Examination in 1995 and I currently hold a Kansas Certificate as a Certified Public Accountant.  Before going to college, I worked as a Machinist in a machine shop and as a Maintenance Mechanic in a book bindery.


I regularly volunteer at the Pro Bono Project in San Jose, California and Community Legal Services in East Palo Alto, California where I conduct more than two dozen consumer seminars on bankruptcy and debt collection defense each year.  I maintain an ongoing pro-bono legal services commitment in the area of consumer and debtor rights.

In addition to being admitted to practice in California and Kansas state and federal courts, I am also admitted in the Supreme Court of the United States and the 9th and 10th Circuit Court of Appeals.  I was born in Ottawa, Kansas in 1966.  I currently live in San Jose, California.


Practice areas


  1. Debt Collection: 50%
    19 years, 1 thousand cases
  2. Appeals: 10%
    17 years, 30 cases
  3. Debt Agreements: 10%
    17 years, 50 cases
  4. Bankruptcy: 10%
    19 years, 1.4 thousand cases
  5. Other: 20%
  6. More 



Fixed (sometimes), Free consultation (60 minutes), Pro bono (20%)

Payment types:

Cash, Check, Credit card

Attorney endorsements

21 total 

Are you an attorney? Endorse this lawyer

  • Javed Inam Ellahie

    Fred is an outstanding attorney. A one of kind lawyer who understands what it takes to protect consumer debts. He has a mastery over the matters he represents his clients interest and is willing to go full tilt on behalf of his clients


    Javed Ellahie Bankruptcy & Debt Attorney
    Relationship: Worked together on matter

  • Aurora Dawn Harris

    Fred Schwinn is a leader in his zealous representation of clients. I heartily endorse him for his thoughtful and honest advocacy on behalf of consumers.


    Aurora Harris Debt Collection Attorney
    Relationship: Fellow lawyer in community

Contact info

Consumer Law Center, Inc.

12 South First Street, Suite 1014
San Jose, CA, 95113-2418


KSAuthorized to practice law199709/13/2015
We have not found any instances of professional misconduct for this lawyer.
Avvo contributions
Legal answers
Award nameGrantorDate granted
AV PreeminentMartindale-Hubbell®2015
AV PreeminentMartindale-Hubbell®2014
Attorney of the YearCommunity Legal Services in East Palo Alto (CLSEPA)2013
AV Rating in Debtor and Creditor LawMartindale-Hubbell®2013
Outstanding Volunteer AttorneyVSLP - The San Francisco Bar Association2012
Outstanding Volunteer AttorneyVSLP - The San Francisco Bar Association2011
Certificate of RecognitionPro Bono Project of Silicon Valley2010
Work experience
TitleCompany nameDuration
AttorneyConsumer Law Center, Inc.2004 - Present
AttorneyConsumer Law Center, P.A.1997 - 2004
Association namePosition nameDuration
State Bar of CaliforniaMember2004 - Present
Public JusticeMember2004 - Present
National Association of Consumer Bankruptcy AttorneysMember1999 - Present
National Association of Consumer AdvocatesMember1999 - Present
Legal cases
Case nameOutcome
Resurgence Financial, LLC v. ChambersDelaware's 3 year statute of limitation applied
Fontaine v. Superior Court (CashCall, Inc.)Transfer of venue reversed
Monarch InoVenture Capital, LLC v. Man Wa AmennunoGambling debts are not enforceable in California
See all legal cases 
Publication nameTitleDate
New York TimesSued Over Old Debt, and Blocked From Suing Back2015
The Bay CitizenBay Area residents sue process servers for failing to deliver lawsuits2012
KGO-TV San FranciscoFirm targets CA homeowners with foreclosed 2nd mortgages2012
San Jose Mercury NewsSan Jose area bankruptcies set all-time record2011
California Lawyer MagazineA Debtor's Offense2010
The New York TimesSome Lawyers Want to Keep Debt Collection Out of the Courts2010
Reason MagazineThe Return of Debtor’s Prison2010
San Jose Mercury NewsLoan Pleas Swamp Banks2009
School nameMajorDegreeGraduated
Washburn University School of LawLawJD - Juris Doctor1997
Washburn UniversityAccountingOther - Bachelors1994
Speaking engagements
Conference nameTitleDate
Pro Bono Project Silicon Valley - Attorney Training Series"The Basics" - Bankruptcy Law2011
VLSP - The Bar Association of San FranciscoConsumer Debt Defense2010
Pro Bono Project of Silicon Valley - Consumer ClinicBankruptcy and Debtor's Rights Clinic2010
Pro Bono Project of Silicon Valley - Attorney Training Series"The Basics" - Bankruptcy Law2010