Jacob D. Chang, Esq. is a zealous advocate of bankruptcy and consumer rights issues, with over 16 years of experience.  He has five years of experience working as an Attorney Advisor to Federal Administrative Law Judges, and has for the last nine years advocated on behalf of consumers, tirelessly fighting on behalf of his clients against greedy banks and corporations.

Mr. Chang's work focuses on the areas of bankruptcy and consumer rights litigation both in state and federal level. He sees bankruptcy as a shield against harassing debt collectors and greedy lenders that force honest hard working people into bankruptcy by charging outrageous fines and interest rates to the point where people have no other choice but to seek financial relief.  On the other hand, Mr. Chang sees federal and state consumer right laws as sword with which to attack these greedy corporations and their abusive debt collectors.  Mr. Chang focuses on litigating on behalf of consumers in the areas of Truth In Lending Act, Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Unfair Business and Practices Act, as well as Bankruptcy automatic stay violations and Bankruptcy discharge violations.