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DANIEL S. BERNHEIM is a member with the law firm of Wilentz, Goldman & Spitzer P.A., and serves as the managing partner of the firm's Philadelphia office, where his practice is devoted to commercial litigation with a concentration in bankruptcy, creditors' rights, lender liability and negotiable instruments. He has been trial counsel in a number of matters with published opinions concerning Federal Consumer protection laws, including the Fair Debt Collection Practices Act, Truth in Lending Act and Equal Credit Opportunity Act. He also has served as an expert witness on behalf of law firms accused of violating these acts. Mr. Bernheim is a member of the Philadelphia and American bar associations, the Trial Lawyers Association of America and the Pennsylvania Trial Lawyers Association. He earned his B.A degree from the University of Pennsylvania, his J.D. degree from Villanova University School of Law and was a member of the first LL.M. degree class in Trial Advocacy from Temple University James E. Beasley School of Law. KENNETH F. CAROBUS is a member of the Philadelphia law firm of Morris & Adelman, P.C., where he concentrates his practice in the areas of commercial law, collection law and creditors' rights law in bankruptcy. Mr. Carobus is a frequent lecturer on collection matters, bankruptcy and the FDCPA. He is the author of Debt Collection in Pennsylvania. Mr. Carobus earned his B.S. degree from Loyola University, his J.D. degree from Georgetown University Law Center and his LL.M. degree from Temple University James E. Beasley School of Law. He is a member of the Philadelphia and Pennsylvania bar associations and the American Bankruptcy Institute. CRAIG H. FOX is a partner with the Norristown, Montgomery County, Pennsylvania law firm of Fox and Fox Attorneys at Law. Mr. Fox has substantial experience in the areas of collections, foreclosures, bankruptcy, real estate, commercial transactions, banking and commercial litigation. He actively represents numerous publicly traded and privately held companies, as well as individuals, in connection with their collection, real estate and commercial transaction needs. Mr. Fox has led seminars on collection, real estate, business and financing topics. He also is a licensed real estate broker for Realty Corporation of America and has served on the Montgomery County Realtor - Attorney Joint Liaison Committee. Mr. Fox is a member of the Pennsylvania Bar Association, the New Jersey State Bar Association and The Florida Bar. Within the Montgomery Bar Association, he has served four consecutive terms as chairperson of the Collection, Foreclosure and Bankruptcy Committee; served as chairperson of the Debtor/Creditor Committee; was elected to serve on the Board of Directors; was appointed to serve on the Bench - Bar Committee; was appointed vice chair of the Business, Banking and Corporate Counsel Committee; and was appointed vice chair of the Professionalism Committee. He is a member of numerous committees of the Montgomery, Pennsylvania and American bar associations, including the Business, Banking and Corporate Counsel, the Bankruptcy/Creditors and Debtors Rights, the Construction and Public Contract Law, Franchising, and the Real Estate committees. Mr. Fox graduated from Lafayette College and earned his law degree from Villanova University School of Law.
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