also known as Fred W. Schwinn
Being harassed by debt collectors or been sued by a debt collector? Consumer Law Center can help!
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.
Fixed (sometimes), Free consultation (60 minutes), Pro bono (20%)
Cash, Check, Credit card
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|KS||Authorized to practice law||1997||09/13/2015|
|Award name||Grantor||Date granted|
|Attorney of the Year||Community Legal Services in East Palo Alto (CLSEPA)||2013|
|AV Rating in Debtor and Creditor Law||Martindale-Hubbell®||2013|
|Outstanding Volunteer Attorney||VSLP - The San Francisco Bar Association||2012|
|Outstanding Volunteer Attorney||VSLP - The San Francisco Bar Association||2011|
|Certificate of Recognition||Pro Bono Project of Silicon Valley||2010|
|Attorney||Consumer Law Center, Inc.||2004 - Present|
|Attorney||Consumer Law Center, P.A.||1997 - 2004|
|Association name||Position name||Duration|
|State Bar of California||Member||2004 - Present|
|Public Justice||Member||2004 - Present|
|National Association of Consumer Bankruptcy Attorneys||Member||1999 - Present|
|National Association of Consumer Advocates||Member||1999 - Present|
|Target National Bank v. Rocha||Code Civil Procedure § 98 Declarants must be available for personal service of a Subpoena|
|Johnson v. CFS II, Inc.||Treble Damages Awarded Pursuant to California Civil Code § 3345|
|Cruz v. International Collection Corporation||Summary Judgment Affirmed on Appeal|
|See all legal cases|
|New York Times||Sued Over Old Debt, and Blocked From Suing Back||2015|
|The Bay Citizen||Bay Area residents sue process servers for failing to deliver lawsuits||2012|
|KGO-TV San Francisco||Firm targets CA homeowners with foreclosed 2nd mortgages||2012|
|San Jose Mercury News||San Jose area bankruptcies set all-time record||2011|
|California Lawyer Magazine||A Debtor's Offense||2010|
|The New York Times||Some Lawyers Want to Keep Debt Collection Out of the Courts||2010|
|Reason Magazine||The Return of Debtor’s Prison||2010|
|San Jose Mercury News||Loan Pleas Swamp Banks||2009|
|Washburn University School of Law||Law||JD - Juris Doctor||1997|
|Pro Bono Project Silicon Valley - Attorney Training Series||"The Basics" - Bankruptcy Law||2011|
|VLSP - The Bar Association of San Francisco||Consumer Debt Defense||2010|
|Pro Bono Project of Silicon Valley - Consumer Clinic||Bankruptcy and Debtor's Rights Clinic||2010|
|Pro Bono Project of Silicon Valley - Attorney Training Series||"The Basics" - Bankruptcy Law||2010|