Mark Warda received his BA in Political Science from the University of Illinois in Chicago and his JD from the University of Illinois in Champaign. He has studied at the University of Oxford, England and in Barcelona and Cologne.
He has been a lawyer for over 25 years and has written or coauthored more than seventy self-help legal guides. He has recently returned to actively practicing law full time in addition to continuing to write from his Florida home.
Brette McWhorter Sember is a retired attorney and mediator who practiced law in New York. Her practice included consumer issues, bankruptcy, and Better Business Bureau mediation. She has taught classes about credit and debt for online universities and community education programs and frequently writes about credit and debt issues. Sember has authored over 30 other books and her work has appeared in over 200 publications. Her web site is BretteSember.com.