The Honorable Joseph A. (“Drew”) Dickson, a former Federal Magistrate Judge for the United States District Court for the District of New Jersey, focuses his practice on bringing closure to
disputes in a timely, efficient and discrete manner through mediation and arbitration.

During his tenure as a Federal Magistrate Judge, Drew oversaw an expansive scope of Federal
court litigation in areas including intellectual property, antitrust, creditors’ rights, and class action. Prior to joining the bench, he spent 30 years in private practice where he focused on
complex litigation. He served as lead trial counsel in numerous cases and administrative proceedings in the state and federal courts of New Jersey and other jurisdictions.
Judge Dickson draws upon this wealth of experience when collaborating with attorneys across the firm’s family law, bankruptcy and creditors’ rights, trusts and estates, intellectual property, antitrust, class action and employment areas in alternative dispute resolutions. Further, he
maintains a robust Federal litigation practice and is a trusted advisor to clients faced with complex discovery issues as a Court-appointed discovery master.

Judge Dickson is a graduate of New York University and Seton Hall Law School, where he was a published member and Managing Editor of the Seton Hall Law Review. He has lectured on a
variety of topics at Continuing Legal Education Seminars and has been a guest lecturer at Seton Hall University Law School.

When it comes consumer protection law, Scott Borison is one of the most respected voices in the legal field. Based out of California, Scott was named the 2016 Consumer Attorney of the Year by the National Association of Consumer Advocates. Over the years, he has fought tirelessly for the rights of consumers who have been taken advantage by unscrupulous businesses.

He utilizes an aggressive and comprehensive approach to help place each client in the best position to succeed. What separates Scott from others is his attention to detail and relentless work ethic. From the moment he sits down with a client for an initial consultation, Scott immediately educates the potential client on their rights as a consumer and the best strategies to use to protect those rights. He always places a high value on protecting the rights of the consumers and looking out for their best interests.

Neil J. Fogarty is Managing Attorney, Consumer Unit, Northeast New Jersey Legal Services, Jersey City, N.J. He has practiced consumer law and bankruptcy, helping poor people with their financial problems, for more than forty-six years. Mr. Fogarty is admitted to practice in New Jersey and New York. He was a member of the Federal Reserve Board's Consumer
Advisory Council for three years, and a member of the N.J. Supreme Court Committee on the Special Civil Part for five years. Mr. Fogarty was President of Consumers League of New Jersey for eighteen years. He produced the Rent to Own Rap, a radio public-service announcement. He has taught continuing legal education in state (NJICLE) and national (NCLC) settings. Mr. Fogarty produced legal CD-ROMs, Consumer Law in a Box, for the National Consumer Law
Center.

Some of Mr. Fogarty’s cases include:
Midland Funding LLC v. Thiel, Acevedo, Johnson, 446 N.J. Super. 537 (App. Div. 2016)(UCC four-year statute of limitations for “any contract for sale” held to apply to credit cards usable only to buy goods in a store; Partial payment did not re-start running of statute of limitations; Debt collector violated Fair Debt Collection Practices Act by filing a time-barred suit).

Perez v. Rent-a-Center, 186 N.J. 188 (2006)( Drafted amicus brief for Consumers League of N.J.; New Jersey Supreme Court held rent to own contracts are subject to N.J. Retail Installment Sales Act, and the 30% Criminal Usury Law; Cy pres awards to Legal Services)
Pulley v. Legriede, 295 B.R. 28 (Bankr. D.N.J. 2003), aff'd 303 B.R. 81 (D.N.J. 2003)(Established that New Jersey insurance surcharges were dischargeable in bankruptcy, result
was that many motorists regained their driver licenses, needed to drive to work.)

De Oliveira v. Kamin, 1999 WL 1604398 (Bankr. D.N.J. 1999) (Held that a debtor in bankruptcy may sue Director of N.J. Division of Motor Vehicles under the Ex parte Young doctrine, for an injunction that the insurance surcharge may be discharged in bankruptcy;
Rejected sovereign immunity defense of New Jersey.)
Diversion of Service Rulemaking: Part of the LSNJ team which persuaded the N.J. Board of Public Utilities in 1983 to issue regulation that tenants are not liable for service recorded on a
tenant’s meter but diverted to landlord’s use, such as to landlord’s furnace. N.J.A.C. 14:3–7.8

Beneficial Finance Co. v. Swaggerty, 86 N.J. 602 (1981)(Argued in N.J. Supreme Court for amicus: Violation of the Truth in Lending Act may be asserted as recoupment defense to suit
on the debt)

Mr. Fogarty is a member of National Association of Consumer Advocates and the National Association of Consumer Bankruptcy Attorneys.

Awards from Legal Services of New Jersey:
James B. Larsen Award (1991)
Harris David Award for Career Service to People in Poverty (2007)
Richard Mastro Consumer Litigation Award (2016)

Attorney Ronald Frederick officially launched his consumer law practice in 1997 to protect and defend consumers who are taken advantage of in fraudulent businesses. He has represented clients against banks, car dealers, debt collectors, predatory lenders, and more.

At Cleveland Consumer Law, our attorneys believe in pursuing dishonest and abusive creditors and businesses. We do this not only for the benefit of the consumers but also for honest businesses that play by the rules and treat consumers fairly. Our firm pursues this mission by defending individual cases for wronged consumers, as well as initiating broad-scale class actions to end deceptive and abusive business practices.

Yongmoon “Elijah” Kim is the managing attorney of a small firm in New Jersey, litigating various consumer class actions throughout the country. He sometimes takes personal injury cases if what happened is particularly egregious. He currently serves as a member of the Consumer Protection Law Committee of the New Jersey State Bar Association, advocating on behalf of consumers on pending legislation in the State of New Jersey, and as a member of the Class Actions Committee of the NJSBA. He also serves as the chair of the Consumer Law Committee of the Bergen County Bar Association.

Mr. Kim also serves as a member of the Board of Directors of the Consumers League of New Jersey—a nonprofit, membership organization founded in 1900 which educates and advocates on behalf of consumers. He also represents the CLNJ on the Special Civil Part Practice Committee of the New Jersey Supreme Court, participating in the proposal and amendments of the New Jersey Court Rules governing the Special Civil Part. He has also been recognized for his pro bono contributions and has been awarded Equal Justice Medals from the Legal Services of New Jersey, as well as the Champions of Justice Award from the Northeast New Jersey Legal Services.

Mr. Kim can be reached at (201) 273-7117 and ykim@kimlf.com.

Consumer fraud attorney Robert Murphy is a trial lawyer who practices in the areas of consumer litigation in Florida and across the country. In over 25 years of practice, he has actively litigated cases under almost every aspect of the federal and Florida consumer protection laws. He has acted as lead counsel in the litigation of cases both individually and on a class basis in almost every venue in Florida. He is dedicated to advancing the consumer rights of Americans through both courtroom advocacy and the education of families and individuals concerning consumer protection laws.

Robert is a graduate of Wake Forest University, where he received a Bachelor of Arts cum laude in 1984. In 1987, he received his Juris Doctorate from the University of Florida at the early age of 23. At the time, he was one of the youngest lawyers in the state of Florida.

Robert is a member of the Florida and Georgia Bars and is authorized to practice before the United States District Courts for the Southern District of Florida, the Middle District of Florida and the Eleventh Circuit Court of Appeals. Since 2001, he has been a member of the Consumer Protection Law Committee of The Florida Bar and served as Chairperson in 2004 through 2006.

Robert has been an active consumer rights attorney member in the National Association of Consumer Advocates since November of 1999 and regularly attends conferences and seminars sponsored by the organization. Robert is a sought-after speaker and writer on a wide range of consumer protection topics. He has appeared on ABC News Nightline and the PBS show “Law Matters”. Robert has been quoted in leading publications such as the Wall Street Journal, Boston Globe, Miami Herald, Business Week and National Law Journal. He has had the distinction of lecturing to attorney groups on commercial and consumer law issues nationally and on a statewide basis.

Mr. Stern focuses his practice on defending collection actions and pursuing debt collectors’ violation of the Fair Debt Collection Practices Act (FDCPA). His extensive trial and appellate experiences include the first decision in the country holding a collection attorney violates the FDCPA when the representations implied from him signing a collection complaint are false and the Appellate Division decision delineating the evidential record which a debt buyer must establish to meet its burden when moving for summary judgment. In addition to matters in NJ state courts, he has handled cases throughout the US including arguing appeals in the 2nd, 3rd, 6th, 7th, and 9th Circuits. He has taught appellate advocacy at Seton Hall Law School and is a frequent panelist and presenter at national, state, and local conferences on consumer law. In addition, he sits on the NJ State Bar Association’s Consumer Protection Law Committee and was a member of the Supreme Court’s Ad Hoc Committee addressing attorney-client agreements in fee-shifting cases.

Mr. Stern can be reached at (201) 273-7117 and pstern@kimlf.com.

Professional Biography John Ukegbu
John Ukegbu is a senior staff attorney at Northeast New Jersey Legal Services where he represents low-income consumers. He has served as a member of the District Ethics Committee, District VI (Hudson County), and as a Trustee for the Lawyers’ Fund for Client Protection. He is currently a member of the Supreme Court Committee on Special Civil Part Practice and the Membership Secretary of the Hudson County Bar Association. Mr. Ukegbu is a facilitator for the Attorney General Alliance/Africa Alliance Partnership formerly known as the Conference of Western Attorney Generals/Africa Alliance Partnership. He is a graduate of Western New England University School of Law. In recognition of his service, Legal Services of New Jersey awarded Mr. Ukegbu the Ronald B. Atlas Attorney Award in 1996 and the J. Harris Award for Career Service to People in Poverty in 2011.