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Frederick William Schwinn

Frederick William Schwinn

also known as Fred W. Schwinn

Practice areas:

Debt Collection, Identity Theft, Bankruptcy & Debt, Debt & Lending Agreements, Appeals, Consumer Protection, Debt Settlement

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
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
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
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 Fremont, California.


Practice Areas

Licensed since 1997

  1. Debt Collection: 50%
    18 years, 1 thousand cases
  2. Appeals: 10%
    16 years, 30 cases
  3. Debt & Lending Agreements: 10%
    16 years, 50 cases
  4. Bankruptcy & Debt: 10%
    18 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 

  • 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 law199708/09/2015

Professional Misconduct

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
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 UniversityAccountingBBA1994

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