"The sufficient-income provision is hopelessly vague, " says Chi Chi Wu, a lawyer with the National Consumer Law Center.

WSJ: Cards Return to Campus

The vast majority of these cards promise 0% interest for at least six months, says Chi Chi Wu, an attorney at the National Consumer Law Center, a consumer-advocacy group in Boston.

WSJ: Is Your Doctor Pushing Credit Cards?

"I'm skeptical that this is going to suddenly result in a huge downturn of lending in this area, " said John Van Alst, staff attorney with the National Consumer Law Center in Boston.

WSJ: Prebuilt Loan Predicament

The decision by Judge Ronald Gould chastises lawyers at prominent firms Lieff Cabraser and the National Consumer Law Center for knowingly setting up the conflict and failing to alert the court about it.

FORBES: Ninth Circuit Tosses Experian Settlement, Chides Lawyers Over Conflict

He was chairman of the Kentucky Bar Association Bankruptcy Section in 2006-07 and has been a speaker on consumer law topics and foreclosure defense at numerous continuing legal education seminars in Kentucky and nationally at seminars and conferences sponsored by AARP, The National Consumer Law Center, and the National Association of Consumer Advocates.

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