Adams Consumer Lawyers

Grant Phillips
Claimed Lawyer ProfileResponsive Law
Grant Phillips
Long Beach, NY Consumer Law Lawyer with 20 years of experience
(516) 670-5165 670 Long Beach Blvd.
Long Beach, NY 11561
Free ConsultationConsumer and Business
Brooklyn Law School
Founding and managing Principal, Attorney Grant Phillips, is admitted and licensed to practice law in the States of New York, New Jersey and Florida. He was born and raised in Johannesburg, South Africa. He attended college in the United Kingdom and Law School in New York. He opened Grant Phillips Law, PLLC – 22 years ago. In the past, he has worked for some of the largest and most prestigious law firms in New York City, as well as In House for two publicly traded companies. Grant is well known for his articles on Merchant Cash Advance, Consumer and Small Business Bankruptcy...
Alain Cesar
Claimed Lawyer Profile
Alain Cesar
New York, NY Consumer Law Attorney with 14 years of experience
(800) 979-3707 3 Park Avenue
23rd Floor
New York, NY 10016
Free ConsultationConsumer
Widener University Delaware School of Law
With over a decade of experience in real estate litigation and transactions, Alain Cesar is a consumer attorney known for his commitment to protecting clients' interests. His extensive knowledge and successful track record in resolving real estate disputes and consumer litigation centered around Fair Credit Reporting Act violations make him a trusted legal advocate in the field. Additionally, Alain Cesar has dedicated over six years to advocating for consumer protection, helping individuals who have been victimized by wrongful foreclosure, predatory, inaccurate credit reporting and deceptive practices, and other consumer-related issues. He has a strong passion for justice and is committed...
Ronald Joseph Kim
Claimed Lawyer ProfileQ&ASocial Media
Ronald Joseph Kim
Saratoga Springs, NY Consumer Law Lawyer with 35 years of experience
(518) 581-8416 3257 U.S. 9
#5
Saratoga Springs, NY 12866
Free ConsultationConsumer, Bankruptcy and Employment
Fordham University School of Law
We protect consumers, students, debtors and employees. We focus on alleviating overburdened debtors through the bankruptcy court, protecting homeowners in foreclosure, reducing overwhelming student loan debts, defending individuals against unscrupulous debt collectors and correcting credit reporting mistakes. In addition, we protect employees from workplace discrimination and whistleblower retaliation.
Brian L. Ponder
Claimed Lawyer ProfileSocial Media
Brian L. Ponder
New York, NY Consumer Law Lawyer
(646) 450-9461 745 Fifth Avenue
Suite 500
New York, NY 10151
Consumer, Entertainment & Sports, Foreclosure Defense and Real Estate
Southern University Law Center
Jay S. Fleischman
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Jay S. Fleischman
New York, NY Consumer Law Lawyer with 29 years of experience
(866) 787-8078 228 Park Av S # 47620
New York, NY 10003-1502
Free ConsultationConsumer and Bankruptcy
State University of New York - Buffalo
I'm a New York bankruptcy lawyer who also helps people fight back against debt collection harassment and credit reporting errors.
Alex Roshuk
Claimed Lawyer ProfileBlawg Search
Alex Roshuk
Brooklyn, NY Consumer Law Attorney with 26 years of experience
(718) 788-6696 325 8th St
Brooklyn, NY 11215
Consumer, Arbitration & Mediation, Divorce and Immigration
McGill University and McGill University
Alex T. Roshuk is a New York State attorney. He has two law degrees from McGill University, Faculty of Law, Montreal, Canada (B.C.L./LL.B., 1997) and has been practicing law in New York City since 1998 advising businesses, individuals and not-for-profit organizations in transactional and litigation related matters. He was the first legal advisor to the Wikimedia Foundation, Inc. (Wikipedia) from 2003 to 2005 assisting with the organization's tax exempt application to the IRS, trademark applications, and various copyright related issues. Mr. Roshuk is also engaged in a variety of pro bono and public service activities, since 2005 he has...
Lloyd Donders
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Lloyd Donders
HASTINGS ON HUDSON, NY Consumer Law Attorney with 22 years of experience
(914) 588-9229 25 Maple Avenue
Suite 3B
HASTINGS ON HUDSON, NY 10706
Consumer, Business, Education and Employment
Brooklyn Law School
The law office of Lloyd Donders, Esq. is uniquely positioned to offer our clients the knowledge and tools to aggressively advocate for their children to get the educational support they need.
Richard Newman
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Richard Newman
New York, NY Consumer Law Lawyer with 26 years of experience
(212) 756-8777 40 Wall Street
35th Floor
New York, NY 10005
Consumer, Arbitration & Mediation, Business and Communications
Richard B. Newman is an FTC defense lawyer and marketing compliance and regulatory defense attorney at Hinch Newman LLP focusing on advertising and digital media matters. His FTC defense attorney practice includes conducting legal compliance reviews of advertising campaigns, representing clients in investigations and enforcement actions brought by the Federal Trade Commission and state attorneys general, commercial litigation, advising clients on promotional marketing programs, and negotiating and drafting legal agreements. Richard is currently admitted to practice law in California, New York, Nevada, the District of Columbia, and before the United States District Court for the Districts of Northern, Central and...
Hashim Rahman
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Hashim Rahman
New York, NY Consumer Law Lawyer with 18 years of experience
(347) 433-6139 43 W. 43rd Street Suite 204
New York, NY 10036
Consumer and Landlord Tenant
Elisabeth Haub School of Law - Pace University
Hashim Rahman, Esq. has more than ten years of legal experience in a wide range of matters, including consumer, corporate, and landlord-tenant litigation. Mr. Rahman is rated by Super Lawyers, and is highly experienced in matters arising under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Telephone Consumer Protection Act, and other consumer laws.
Daniel Adam Schlanger
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Daniel Adam Schlanger
Harrison, NY Consumer Law Attorney with 17 years of experience
(212) 500-6114 600 Mamaroneck Ave
Suite 400
Harrison, NY 10528
Free ConsultationConsumer and Products Liability
Harvard Law School
Daniel Schlanger is the managing partner at Schlanger Law Group, LLP, a consumer protection law firm focused on assisting victims of identity theft, inaccurate credit reporting and hidden lending charges. The firm’s practice includes both individual cases brought on behalf of victims, as well as class actions. We pride ourselves on sophisticated and zealous advocacy on behalf of victims of unlawful practices, and regularly go up against some of the larger businesses and law firms in the country. Mr. Schlanger is licensed in both New York and New Jersey and the firm litigates cases in New York, New Jersey...
Edward J. Mullins III
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Edward J. Mullins III
New York, NY Consumer Law Attorney with 17 years of experience
26 Broadway
8th Floor
New York, NY 10004
Consumer, Criminal Defense, Municipal and White Collar Crime
Rutgers School of Law-Newark
I am admitted in the state and federal courts of New Jersey and New York, including the District of New Jersey, Eastern District of New York, Southern District of New York, and Second Circuit. I graduated from Rutgers Law School, Boston College and Saint Peter’s Prep. I was born and raised in Hudson County, and reside here with my wife, son and daughter.

Before founding Edward J. Mullins, Esq. LLC, I defended nation-wide consumer fraud disputes and government investigations across many industries, including insurance, retail, and telecommunications, as part of an international law firm’s advertising, class action, and privacy groups.

I previously...
Kevin Marc Habberfield
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Kevin Marc Habberfield
Olean, NY Consumer Law Lawyer with 15 years of experience
(716) 373-1920 129 North Union Street
PO Box 648
Olean, NY 14760
Free ConsultationConsumer, Animal, Construction and Personal Injury
SUNY Buffalo Law School
I joined Dwyer, Black & Lyle, LLP as an associate attorney in 2008 and became a partner there in 2011. In 2015, we changed the name to Black, Lyle & Habberfield, LLP. I obtained my Bachelor of Science Degree from the State University of New York at Brockport and graduated cum laude from law school at the State University of New York at Buffalo. I am admitted to practice law in both New York and Pennsylvania. I am a member of the American Association for Justice, New York State Trial Lawyers Association, Allegany County Bar Association...
Mr. Hal Lance Rose
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Mr. Hal Lance Rose
Bellmore, NY Consumer Law Lawyer with 34 years of experience
(646) 287-1877 2159 Hillside Avenue
Bellmore, NY 11710
Consumer, Appeals, Bankruptcy and Business
University of Akron
Published and accomplished litigator and negotiator experienced in appeals to New York State Appellate Courts, bankruptcy, commercial and residential real estate law. Attentive to client needs and inquiries. Obsessive about returning client phone calls and being available to clients. Designed and implemented manual outlining policies and procedures for Mitchell-Lama housing. Educator and lecturer in the areas of bankruptcy and real estate law. Designed and implemented training and development of new attorneys. Experienced and competent in business development.
Abel L. Pierre
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Abel L. Pierre
New York, NY Consumer Law Lawyer
(888) 744-0757 140 Broadway
46th Floor
New York, NY 10005
Consumer, Collections and Foreclosure Defense
Fordham University
Debt collectors are notorious for using aggressive tactics and these efforts can go too far in certain situations. That is why certain laws have been enacted and through them, support can be offered. Still it is not always enough and the firm representation of a New York City debt collection defense lawyer can be a great asset to find a solution. Attorney Abel Pierre is a highly adept professional who uses his knowledge of the law to protect the rights and interests of his clients. Having practiced law for over 12 years, he has a deep level of insight that...
Btzalel Hirschhorn
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Btzalel Hirschhorn
Kew Gardens, NY Consumer Law Attorney with 10 years of experience
(718) 263-6800 8002 Kew Gardens Rd
Ste 600
Kew Gardens, NY 11415
Consumer, Bankruptcy, Collections and Foreclosure Defense
University of Baltimore School of Law and Midrash Shmuel
Joseph Martin Carasso
Claimed Lawyer ProfileQ&A
Joseph Martin Carasso
New York, NY Consumer Law Attorney with 42 years of experience
(212) 732-0500 270 Madison Avenue, Suite 1500
New York, NY 10016
Consumer, Business, Collections and Estate Planning
William Mitchell College of Law
With thirty-one (31) years experience in both litigation and transactions, I am dedicated to representing individuals and small businesses with their legal needs. My practice includes many types of litigation, including contract disputes, collections, family matters, estate related litigation and other types of litigation. I draft and review contracts and represent clients in various transactions. I assist clients with their Last Wills and Estate Plans.
Karen Ann Takach
Claimed Lawyer Profile
Karen Ann Takach
New York, NY Consumer Law Attorney with 39 years of experience
(646) 688-5209 33 Gold Street
Suite 106
New York, NY 10038
Free ConsultationConsumer, Business and Social Security Disability
The George Washington University Law School
Karen Takach has dedicated her legal career to protecting the rights of tenants, to advocating for the tenants of New York City, and to keeping tenants in their homes. Throughout the 25 years of her Legal Career, Ms. Takach has successfully represented indigent, elderly and disabled tenants, and recently, working families and individuals who do not qualify for free legal services because of their income, but who also cannot afford to pay the typical hourly rate for private attorneys. Ms. Takach has also successfully represented clients in other areas of law, including but not limited to Tax,...
Jesse Langel
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Jesse Langel
New York, NY Consumer Law Attorney
(888) 271-7109 30 Wall Street
8th Floor
New York, NY 10005
Consumer and Collections
New York Law School
At The Langel Firm, handle debt-collection defense. We defend against collection lawsuits, wage garnishments, and bank seizures. Firm Objectives: --Protect consumers and businesses against debt-collection lawsuits --Vacate (overturn) money judgments --If necessary, take action against collection agencies, law firms, and debt buyers for collection abuses that prejudice our clients Our Niche: We oppose the same lawyers, banks, and debt buyers repeatedly. Our Strategy: We stay cutting edge in debt-collection litigation with particular expertise in credit-card lawsuits, overturning money judgments, and collection misconduct.? We always investigate: --Ownership of the debt --Proper service of all legal papers, including Summons, Complaint, Judgment, notices, and Exemption-Claim Forms --Admissibility of all of the collector's evidence, including the...
Oren Giskan
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Oren Giskan
New York, NY Consumer Law Attorney with 34 years of experience
(212) 847-8315 90 Broad St
2nd Floor
New York, NY 10004
Consumer, Antitrust and Business
University of Pennsylvania
Oren Giskan is an experienced attorney at Giskan Solotaroff & Anderson LLP. His practice focuses on Consumer Protection, Class Actions & Investigations, and Commercial Litigation. Oren represents clients throughout the country with legal matters involving large corporations with deceptive and anticompetitive practices. Current cases include consumer fraud matters against companies such as LG Electronics, Apple, and Bank of America.

Oren received his Bachelor's Degree from the University of Chicago in 1987. His J.D. was earned at the University of Pennsylvania in 1990. Oren is admitted to practice law in New York, Illinois, the U.S. District Court Southern District of New York,...
Craig B. Sanders
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Craig B. Sanders
New York, NY Consumer Law Attorney with 30 years of experience
3 Park Avenue
23rd Floor
New York, NY 10016
Free ConsultationConsumer, Business, Employment and IP
University of Pennsylvania Law School and University of Pennsylvania Law School
Craig Sanders is the founding partner of the Sanders Law Group and a senior trial attorney. During the course of his more than thirty-year professional career, Mr. Sanders has handled complex civil litigation matters throughout the nations Federal Courts. Focusing his career on intellectual property (copyright and trademark infringement litigation), consumer protection, litigation and employment matters, Mr. Sanders oversees the Firm’s Intellectual Property Department and Trial Department. In addition to his IP experience, Mr. Sanders is also well-versed in commercial litigation having represented businesses in contract disputes, partnership dissolutions, shareholder disputes and derivative actions, breach of fiduciary duty and fraud...
Jessica Murzyn
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Jessica Murzyn
New York, NY Consumer Law Attorney with 24 years of experience
(212) 684-0300 183 Madison Ave
#1601
New York, NY 10016
Consumer, Arbitration & Mediation, Business and Securities
University of Pennsylvania
Jessica A. Murzyn has been a senior counsel at Rich, Intelisano & Katz, LLP since April 2013. Ms. Murzyn represents individual and institutional investors in securities arbitrations and litigation against financial firms.

Prior to joining Rich, Intelisano & Katz, LLP, Ms. Murzyn was an associate at Friedman Kaplan Seiler & Adelman LLP from October 2008 to March 2013. At Friedman Kaplan, she represented a variety of individual and corporate clients in securities, real estate and general commercial litigation and arbitrations. For example, she represented a high net worth client in a FINRA arbitration against the client’s investment...
Daniel Cohen
Claimed Lawyer Profile
Daniel Cohen
Brooklyn, NY Consumer Law Attorney with 8 years of experience
(718) 770-7901 300 Cadman Plaza W, 12th floor
Brooklyn, NY 11201
Free ConsultationConsumer
I am a founding partner at Consumer Attorneys PLLC, hold an esteemed position as an attorney who co-leads the Consumer Finance division within the firm. Additionally,take charge of managing the firm's efforts related to client intake and development. With a well-established history of effectively representing consumers nationwide, am a prominent figure within the esteemed consumer law firm. My primary area of focus revolves around class action lawsuits, where he secures both financial settlements and non-monetary remedies on behalf of clients. Furthermore, I offer legal guidance to individuals grappling with telemarketer harassment and extends his support to visually-impaired individuals who believe...
Robert M. Silverman
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Robert M. Silverman
New York, NY Consumer Law Attorney with 27 years of experience
(212) 719-7543 1180 Avenue of the Americas
8th Floor
New York, NY 10036
Consumer
Temple University Beasley School of Law
Robert M. Silverman is highly regarded throughout the legal community and the automotive industry for his continuing efforts in helping consumers with their Lemon Law and Breach of Warranty claims. Mr. Silverman has been featured in The Philadelphia Inquirer and in other newspaper stories across New Jersey and Pennsylvania as an expert in warranty litigation. Mr. Silverman has worked hard for consumer rights, trying his cases in the Federal and State Courts in which he practices. He has also successfully briefed and argued cases before the United States Court of Appeals for the Third Circuit. Mr. Silverman earned his Bachelor of Arts Degree...
Keith M. Fleischman
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Keith M. Fleischman
White Plains, NY Consumer Law Lawyer with 39 years of experience
(914) 278-5100 81 Main Street
Suite 515
White Plains, NY 10601
Consumer, Arbitration & Mediation, Business and Legal Malpractice
California Western School of Law
Keith M. Fleischman is a founding partner of Fleischman Bonner & Rocco, as well as its predecessor firm, Fleischman Law Firm, PLLC. Keith is a nationally recognized trial lawyer who has successfully investigated, litigated, and tried to verdict some of the largest and most complex civil and criminal cases in the country. Keith began his career as a prosecutor, first with the Bronx District Attorney’s Office and later with the Department of Justice. His practice presently focuses on representing public and private companies, financial institutions, and institutional investors in connection with the prosecution and defense of complex...
Justin Solomon Nematzadeh
Claimed Lawyer Profile
Justin Solomon Nematzadeh
NEW YORK, NY Consumer Law Lawyer with 15 years of experience
(929) 560-6264 101 Avenue of the Americas
Suite 909
NEW YORK, NY 10013
Consumer, Business, Real Estate and Securities
Fordham University School of Law
Justin Nematzadeh is the Founder and Managing Member of Nematzadeh PLLC. Through practicing at prestigious law firms, he has amassed a record of results through first-chair experience, especially in trials, on behalf of businesses of all sizes, entrepreneurs, the government, public and private institutional investors, and individuals. He has played roles in actions that resulted in recoveries amounting to over $3.53 billion for litigants. In 2018, Justin was honored as a Rising Star under 40 years of age by Law360® in Class Actions, a prestigious award given to a select few “top litigators and dealmakers practicing at a level usually seen...
Ali Hassanzadeh
Claimed Lawyer Profile
Ali Hassanzadeh
New York, NY Consumer Law Lawyer with 6 years of experience
(800) 979-3707 3 Park Avenue
23rd Floor
New York, NY 10016
Consumer, IP, Patents and Trademarks
Chapman University Fowler School of Law
Mr. Ali Hassanzadeh is an Associate Attorney at Sanders Law Group with a specialized focus on copyright enforcement and litigation. With a background in intellectual property and immigration law, as well as strong leadership and negotiation skills, he is a strategic advisor and litigator for our clients. He holds an LL.M. in Entertainment and Media Law, making him an excellent advocate for creative professionals. He is a California-licensed attorney and admitted to practice in the Central and Northern District Courts of California. Ali’s dedication to his niche reinforces our firm’s mission to support artists in the...
Michael Makarov
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Michael Makarov
New York, NY Consumer Law Attorney with 11 years of experience
(646) 205-2286 347 5th Ave
Suite 1402-270
New York, NY 10016
Consumer, Entertainment & Sports, Products Liability and Real Estate
Rutgers School of Law-Newark
John Anthony Weber IV
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John Anthony Weber IV
Mineola, NY Consumer Law Attorney with 14 years of experience
(516) 858-2620 393 Jericho Turnpike
Suite 208
Mineola, NY 11501
Consumer, Bankruptcy, Business and Criminal Defense
Touro College Jacob D. Fuchsberg Law Center
Rohit Kumar
Claimed Lawyer ProfileResponsive Law
Rohit Kumar
Fresh Meadows, NY Consumer Law Lawyer with 8 years of experience
(646) 494-6968 61-43 186th Street
Fresh Meadows, NY 11365
Free ConsultationConsumer, Bankruptcy, Personal Injury and Products Liability
St. John's University School of Law
Rohit Kumar, Esq. understands the impact that unexpected events can have on your life and your well-being.

He has diligently represented hundreds of clients in a variety of serious accident cases, which include motor vehicle accidents, construction accidents, pedestrian knockdowns, and nursing home abuse & neglect. His understanding of the implications a personal injury can have on an individual enables him to build valuable relationships with his clients. His empathetic nature eases clients who have been through traumatic ordeals, empowering them through education regarding their case and respective rights.

A graduate of St. John's University - School of Law, Rohit passionately advocates...
Stuart Mark Kerner
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Stuart Mark Kerner
Bronx, NY Consumer Law Lawyer with 33 years of experience
(718) 796-6454 269 W 231st St
Bronx, NY 10463
Consumer, Employment, Insurance Claims and Medical Malpractice
The Law Offices of Stuart M. Kerner, P.C. is a New York City Personal Injury Law Firm dedicated to serving the needs of all accident victims who suffer a personal injury. Our law firm is located in the Riverdale section of the Bronx and was founded in 1997 with a commitment to vigorously fight to protect the rights of people seriously injured. Insurance companies have lawyers to protect their interests and so should you! We are strong advocates with extensive experience battling insurance companies and have an impressive track record of winning.
Evan Stone Rothfarb
Claimed Lawyer ProfileBlawg SearchSocial MediaResponsive Law
Evan Stone Rothfarb
New York, NY Consumer Law Lawyer with 17 years of experience
(212) 500-6114 80 Broad Street
Suite 1301
New York, NY 10004
Consumer
Cornell University
Avery Steinberg
Claimed Lawyer ProfileResponsive Law
Avery Steinberg
WHITE PLAINS, NY Consumer Law Attorney with 42 years of experience
(914) 375-7174 2 WILLIAM ST STE 406
WHITE PLAINS, NY 10601
Consumer, Business, Real Estate and Tax
Benjamin N. Cardozo School of Law
Sharon Atias
Claimed Lawyer ProfileSocial Media
Sharon Atias
New York, NY Consumer Law Attorney with 13 years of experience
(917) 657-8757 60 Madison Avenue, Suite 909
New York, NY 10010
Free ConsultationConsumer, Family and Real Estate
Touro College Jacob D. Fuchsberg Law Center and Hofstra University
Evan M. Goldberg
Claimed Lawyer Profile
Evan M. Goldberg
New York, NY Consumer Law Lawyer
400 East 57th Street
STE 8F
New York, NY 10022
Consumer, Arbitration & Mediation, Business and Personal Injury
Nova Southeastern University
Charles A Higgs
Claimed Lawyer Profile
Charles A Higgs
White Plains, NY Consumer Law Lawyer with 14 years of experience
(917) 791-2151 44 S. Broadway Suite 100
White Plains, NY 10601
Consumer, Appeals, Bankruptcy and Real Estate
Attorney Charles A. Higgs founded the Law Office of Charles A. Higgs in 2018 to help individuals and businesses file Chapter 7, Chapter 11, and Chapter 13 bankruptcy in White Plains, New York. He was the first lawyer in the Southern District of New York to file a Chapter 11 case under Subchapter V of the Small Business Reorganization Act, and he was also a bankruptcy seminar speaker in 2016. He is currently admitted to practice before the State of New York, the 2nd Circuit Court of Appeals, the New York Federal District Courts, and the New York Bankruptcy Courts,...
Jacqueline Mandel
Claimed Lawyer Profile
Jacqueline Mandel
New York, NY Consumer Law Attorney with 8 years of experience
(800) 979-3707 3 Park Avenue
23rd Floor
New York, NY 10016
Consumer, IP, Patents and Trademarks
Jacqueline Mandel is an attorney at Sanders Law Group and is a member of the Copyright Infringement team. Prior to joining the team, she avidly defended her clients in contract disputes, evictions, criminal defense actions, and other civil matters. She has trial and litigation experience and is now looking forward to bringing those skills to defend the intellectual property rights of our clients.
Vivien Stark
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Vivien Stark
New York, NY Consumer Law Attorney with 38 years of experience
(212) 349-1600 370 Lexington Ave #901
New York, NY 10017
Consumer, Divorce, Family and Real Estate
Matthew Tollin
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Matthew Tollin
New York, NY Consumer Law Attorney with 22 years of experience
(800) 795-8143 365 Bridge Street, Suite 9e
New York, NY 11201
Free ConsultationConsumer, Business, Foreclosure Defense and Insurance Claims
Harvard Law School
Brett David Sherman
Claimed Lawyer Profile
Brett David Sherman
New City, NY Consumer Law Attorney with 24 years of experience
(212) 324-3874 120 N. Main Street
Suite 302B
New City, NY 10956
Consumer
Capital University Law School
www.newyorkcreditlawyers.com Fighting the credit bureaus; correct inaccurate credit reporting and background check reporting
Jonathan Mark Cader
Claimed Lawyer Profile
Jonathan Mark Cader
New York, NY Consumer Law Lawyer with 16 years of experience
(800) 979-3707 3 Park Avenue
23rd Floor
New York, NY 10016
Consumer, Appeals, IP and Patents
St. John's University School of Law
I began my career as a legal administrator for a Chapter 13 bankruptcy trustee. That experience required me to evaluate cases and claims from the perspective of a court neutral and examine the strengths and weaknesses of the respective positions of the multiple parties to a bankruptcy proceeding. It also required me to develop an in-depth knowledge of how cases proceed when they are governed almost exclusively by a complex statutory scheme. These experiences, learned early on in my career provided me with the type of analytical skills that would prove highly beneficial as my career progressed. After bankruptcy, I joined...
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