Amy Loftsgordon has worked in the area of foreclosure and debt collection for over ten years. Her broad experience includes helping people fight collection actions and enforcing debtors' rights under the Fair Debt Collection Practices Act. As part of a national settlement involving the mortgage industry, she has also reviewed servicer records to uncover extensive credit reporting errors. Amy has authored numerous foreclosure, debt, and real estate articles on Nolo.com. She is the author of Nolo's The Foreclosure Survival Guide and Credit Repair, and the coauthor of Nolo's Solve Your Money Troubles . Amy received a B.A. from the University of Southern California and a law degree from the University of Denver Sturm College of Law and is licensed to practice law in Colorado. Cara O'Neill is a bankruptcy attorney in Northern California and a legal editor with Nolo. She has been practicing law in California for over 20 years and is the coauthor of Nolo's How to File for Chapter 7 Bankruptcy, and Nolo's Money Troubles and Credit Repair.