Cary L. Flitter, Esquire

Cary L. Flitter has built much of his practice around litigating cases on behalf of consumers against debt collectors, finance companies, insurance companies, car dealers and credit reporting agencies.  He has represented clients, as individuals and in class actions, in consumer lending, unfair debt collection, vehicle financing and leasing overcharges, credit reporting, credit privacy, predatory lending and identity theft cases.

Mr. Flitter also practices in commercial litigation matters involving diverse legal issues such as the law of non-compete agreements and unfair competition, employment disputes, partnership and contract disputes, as well as personal injury litigation.

A Philadelphia native and graduate from Philadelphia’s distinguished Central High School, Mr. Flitter received a bachelor’s degree in Finance from Philadelphia University and his law degree from the Delaware Law School of Widener University.  He is a graduate of the National Institute of Trial Advocacy and the renowned Trial Lawyers College.

Mr. Flitter is founding partner in the Montgomery County firm Lundy, Flitter, Beldecos & Berger, P.C., and a member of the Pennsylvania and New Jersey bars.  He has more than 25 years of trial experience in federal and state courts, both in the metropolitan Philadelphia area and in courts throughout the United States. 

Currently, Mr. Flitter serves on the adjunct faculty at Temple University's James E. Beasley School of Law, where he teaches Consumer Law & Litigation, including topics on Fair Debt Collection Practices and Identity Theft.  From 1999 to 2009, Mr. Flitter taught consumer law at Widener Law School.  From 1991 to 1999, he served on the adjunct faculty at Philadelphia University teaching Commercial Law. 

Mr. Flitter is a contributing author to Pennsylvania Consumer Law, the leading legal treatise in Pennsylvania on consumer law issues, and Consumer Class Actions published by the National Consumer Law Center in Boston, Massachusetts. He has also published various articles on consumer credit protection for professional and lay audiences in national, regional and local publications. 

Elected to the Board of Directors of the Montgomery Bar Association, Mr. Flitter also serves as Co-Chair of the Federal Courts Committee. 

Mr. Flitter is a consultant to the news media on consumer protection issues. He also lectures around the country and has educated lawyers, law students and lay audiences about the issues of consumer credit and consumer fraud, and how to enforce a consumer’s rights in court.

Bar Admissions

• United States Supreme Court (1999)
• The United States Court of Appeals for the Third Circuit (1983)
• The United States Court of Appeals for the Fourth Circuit (1990)
• The United States Court of Appeals for the Eighth Circuit (2001)
• The United States District Court for the Eastern District of Pennsylvania (1981)
• The United States District Court for the Middle District of Pennsylvania (1995)
• The United States District Court for the District of New Jersey (1981)
• The United States District Court for the District of Nebraska (2000)
• The Supreme Court of Pennsylvania (1981)
• The Supreme Court of New Jersey (1981)

Teaching Appointments and Academic Guest Lectures

• Temple University James E. Beasley School of Law - Adjunct Professor, 2010
  • Consumer Law & Litigation
• Widener University School of Law - Adjunct Professor, 1999-2009
  • Consumer Finance Litigation and Identity Theft, Fair Debt Collection Practices Act and federal practice
• University of Houston Center for Consumer Law – Conference Presenter, 5/2008
  • “Training law professors who will train the next generation of consumer lawyers”
• Universidad del Salvador, Buenos Aires, Argentina – Guest Lecturer, 8/2008
  • "Selected United States Consumer Protection Laws"
• Harvard Law School - Guest Lecturer, 3/2007
  • Consumer Litigation Strategies and the Law of Statutory Attorneys Fees
• Temple University School of Law - Guest Lecturer, 10/2002-10/2006
  • Automobile Dealer Finance Fraud
• Philadelphia University - Adjunct Professor, 1991-1998
  • Commercial Law

Education

• Philadelphia University - BS Finance, 1976 
  • Recipient, 1997 Hughes Award for the Advancement of Scholarship
  • President, Alumni Board 1990-92.  
  • Member, Board of Trustees, 1990-92.
• Delaware Law School of Widener University – JD, 1981
  • American Jurisprudence Award for Scholarship Corporations and Partnerships 
  • 1998 Outstanding Service Award for dedication and service to the legal community
• National Institute for Trial Advocacy:
  • Trial Skills and Methods - University of Pennsylvania, 1986
  • Federal and State Court Motion Practice - University of Denver, 1990

Publications

• Pennsylvania Consumer Law by Carolyn Carter, Bisel Publishing Co., 2003, Supp. 2010. Contributing Author.
  • This is the leading legal treatise in Pennsylvania on consumer law issues.
• Consumer Class Actions, 5th Ed., National Consumer Law Center, Boston, MA. Contributor
• Legal Intelligencer - When is a Lawyer a Debt Collector? - February 2000
• Legal Intelligencer - Consumer Protection Law Amendments Add Teeth - March 1997
• The National Law Journal - Statutory Attorney’s Fees - February 1999

Bar Association Appointments/Honors

• Pennsylvania Bar Association:
  • Jeffrey A. Ernico Award for Support of Legal Services to the Public  2006
• Magistrate Judge Selection Panel, appointed by Chief Judge Bartle, 2006
• Montgomery Bar Association:
  • Co-Chair of the Federal Courts Committee 2000; 2002-2009
  • Committee of the Year Award (2000)

 

Cary L. Flitter, Esq. - Professor, Presenter, Lecturer, Guest Speaker

Cary Flitter has been a practicing lawyer for over 25 years. His concentration is in representation of consumers in matters involving debt collection harassment, credit reporting, finance fraud, identity theft and similar areas of consumer credit.

Mr. Flitter can also be called Professor Flitter; for the last 9 years he has taught consumer law at Widener University School of Law.  He also guest lectures around the country to lawyers, consumers, law students and law professors.  Mr. Flitter has guest lectured on consumer law topics at Harvard Law School, Temple University Law School and the University of Houston School of Law.  He has also been invited to speak on debt collection abuse in a workshop before the United States Federal Trade Commission in Washington DC in 2007.  In August 2008, Mr. Flitter was asked to speak at the law school of the Universidad del Salvador, in Buenos Aires, Argentina.  There he lectured on the U.S. Federal Trade Commission Act, Consumer Credit Protection Act and Fair Credit Reporting Act to law school students and practicing attorneys from Buenos Aires.

Mr. Flitter is a consultant to the news media where he has responded to investigative reporters questions on a wide variety of consumer issues that concern the public.

To contact Mr. Flitter about speaking at your organization or community event, CONTACT US.

Public Speaking Engagements

Date	Venue	Title	Topic
2/2009	Presenter San Diego, CA	Fair Debt Collection Training Conference	“Ethical Issues in a Fair Debt Practice” “Building your Fair Debt Collection Practice”
1/2009	FOX29-TV	Jeff Cole, Consumer Investigative Reporter	Interview re: disposed personal and financial documents by pay-day lender.
10/2008	Presenter Portland, OR	National Association of Consumer Advocates	“How to Run a Consumer Law Practice in Your Firm”
8/11/08	Guest Lecture Buenos Aires, Argentina	Universidad del Salvador School of Law	“Selected United States Consumer ProtectionLaws”
2/2008	Guest Speaker Las Vegas, NV	Debt Buyers Association Annual Conference	Litigation Trends: “Getting to Know the Other Team – The Consumer Side of Debt Collection”
1/2008	Guest Speaker Washington, DC	Federal Trade Commission	FTC Workshop on “Collecting Consumer Debts: The Challenges of Change”
8/2007	Co-Presenter Wilmington, DE	Widener University School of Law	“Civil Remedies for Identity Theft”
5/07	Guest Speaker Philadelphia, PA	Philadelphia Bar Assn. Bankruptcy Law Committee	“Consumer Law for the Bankruptcy Expert”
5/2007	Presenter Denver, CO	National Association of Consumer Advocates	“Permissible Uses of Consumer Credit Reports”
4/07	Guest Lecturer Cambridge, MA	Harvard University School of Law	“Consumer Litigation Strategies and the Law of Statutory Attorneys Fees”
3/2007	Co-Presenter Tuscon, AZ	National Association of Consumer Advocates – FDCPA Conference	“FDCPA Developments: Ask the Experts”
3/07	Course Planner Conference & Video Telecast Philadelphia, PA	Pennsylvania Bar Institute	Consumer Credit Litigation Developments in Truth-in-Lending, FDCPA, FCRA, PA Consumer Law
1/07	Guest Speaker Philadelphia, PA	Senior Law Center	“Consumer Law Developments for SeniorLAW Attorneys”
11/06	Continuing Legal Education Pod-Cast Philadelphia, PA	Pennsylvania Bar Institute	“Fair Debt Collection Practice Act Developments after Brown v. Card Service Center: What is Deceptive or Misleading?”
11/2006	Symposium Co-Presenter Miami, FL	National Consumer Law Center – Class Action Symposium	“Developments in Class  Action Trial Plans”
5/2006	Presenter Las Vegas, NV	National Association of Consumer Advocates	“Impermissible Access to Consumer Credit Reports”
Date	Venue	Title	Topic
306	Conference Austin, TX	National Association of Consumer Advocates	“Fair Debt Collection Practices Act Developments:  Ask the Experts”
3/06	Continuing Legal Education Norristown, PA	Legal Aid of Southeastern Pennsylvania	“Consumer Law Developments for Legal Aid Attorneys”
11/ 2005	Continuing Legal Education Norristown, PA	Montgomery Bar Association	“Consumer Credit Litigation Developments”
8/2005	Continuing Legal Education Atlantic City, NJ	Pennsylvania Bar Institute	“Your Evil Twin: Combating Identity Theft”
6/2005	Co-Presenter Chicago, IL	American Law Institute Consumer Financial Services Litigation Annual Program	“Settling Complex Financial & Leasing Litigation” and “Class Action Developments – the Plaintiff’s Perspective”
4/05	Cont.Legal Ed. Wilmington, DE	Widener University School of Law	“Civil Remedies for Identity Theft”
3/2005	Presenter Washington, DC	National Association of Consumer Advocates	“Fair Debt Collection Practice Act Developments”
1/04	Continuing Legal Education (CLE) Philadelphia, PA	Pennsylvania Bar Institute Course Planner	Consumer Protection Law FCRA, FDCPA, Predatory Mtg. Lending, PA Consumer Protection Law
10/2004	Co-Presenter Boston, MA	National Consumer Law Center Annual Conference	“Insurance Coverage for Consumer Credit Disputes”
6/04	Conference Chicago, IL	National Association of Consumer Advocates	“Impermissible Access to Consumer Credit Reports”
4/ 2004	Presenter Kansas City, MO	National Association of Consumer Advocates	“Fair Debt Collection Practices Act Developments”
4/ 2004	Presenter Philadelphia, PA	Pennsylvania Bar Institute	“Civil Remedies for Identity Theft” Moderator & Co-Presenter
2/04	Annual Conference Boston, MA	National Consumer Law Center	“Debt Collectors and the Fair Debt Collection Practices Act” “Selecting, Developing and Settling Fair Debt Collection Cases”
11/03	Continuing Legal Education (CLE) Norristown, PA	Montgomery Bar Association	“Identity Theft: Don’t Be the Next Victim”
10/2003	Presenter Oakland, CA	National Consumer Rights Litigation Conference	“Fair Debt Collection Practices Act: ABCs” “Class Action Symposium: Developments in the Law of Plaintiff Adequacy Under Rule 23(a) (4)
9/03	Presenter Philadelphia, PA Harrisburg, PA	Philadelphia Bar Institute Annual Bankruptcy Symposium	“Consumer Law for the Bankruptcy Practitioner”
Date	Venue	Title	Topic
4/2003	Co-Planner &Presenter Doylestown, PA Norristown, PA	Bucks County Bar Association   Montgomery Bar Association	“A Current Look at Federal Court—the Eastern District of Pennsylvania” with Hon. Edmund Ludwig & Hon. Linda Caracappa “Developments in Statutory Attorneys Fees” w/ Hon. Lowell Reed & Timothy Myers, Esq.
10/7/02	Public Education MCCC Blue Bell, PA	Pennsylvania Bar Association	“Know Your Credit Rights”
8/2002	Presenter Philadelphia, PA	Pennsylvania Bar Institute Annual Bankruptcy Symposium	“Consumer Law Alternatives to Bankruptcy
7/2002	Conference Washington, DC	American Bar Association Annual Conference	“Advantages & Disadvantages of Using Expert Witnesses in Consumer Litigation”
6/2002	Co-Planner & Presenter Albuquerque,NM	National Association of Consumer Advocates	“Impermissible Access to Consumer Credit Reports
5/2002	Presenter Norristown, PA	Montgomery Bar Association	“Auto Dealer Finance Fraud”
2/02	Co-Planner & Presenter Tele-Conference Council Bluffs, IA	Consumer Law & Litigation Seminar Co-Sponsored by: Legal Services Corp. of Iowa Volunteer Lawyers Project & the Pottawattamie Cty Bar Assn	Fair Debt Collection Practices Act, and  “The Law of Entitlement to Statutory Fees “
12/01	Conference Baltimore, MD	National Consumer Rights Litigation Conference	“Use of Expert Witnesses in Consumer Credit Post-Daubert & Kumho Tire”
12/2001	Presenter Norristown, PA	Montgomery Bar Association	“Consumer Law Developments 2001”
7/01	Conference Las Vegas, NV	National Association of Consumer Advocates	“Remedies for Invasion of Credit Privacy”
3-4/01	Conference Denver, CO	Nat’l Consumer Right Litigation Conference	“Issues in Presentation of Economic Experts After Supreme Court’s holding in Kumho Tire”
1/01	Online Chat Philadelphia, PA	NBC-10	Consumer Issues: Automobile Finance, Debt Collection, Credit Reports, Identity Theft
7/2000	Co-Presenter Norristown, PA	Montgomery Bar Association	“The Law of Statutory Attorney’s Fees” with Hon. William H. Yohn, Jr. & Mark A.Kearney, Esq.
10/1999	Presenter San Francisco, CA	National Consumer Rights Litigation Conference	“The Law of Statutory Attorney’s Fees”
4/99	Continuing Legal Education Norristown, PA	Montco Bar Seminar	Consumer Law Developments
1999	Continuing Legal Education Norristown, PA	Montgomery Bar Association	“Consumer Law for Fun & Profit”
Date	Venue	Title	Topic
1998	Continuing Legal Education Norristown, PA	Montgomery Bar Association	“Consumer Law for Fun & Profit”
1997	Continuing Legal Education Norristown, PA	Montgomery Bar Association	“Consumer Law for Fun & Profit”
9/95	Radio- WNWR-1540 Philadelphia, PA	Pearl Polto’s “Credit Line”	Consumer Credit & Consumer Protection Issues

 

Theodore E. Lorenz, Esquire

Ted Lorenz has been working with the firm on consumer protection matters since January 2005.  He is a partner in the Lundy, Flitter, Beldecos & Berger firm.  Ted has extensive trial and appellate experience.

Ted's practice focuses primarily on bringing actions on behalf of consumers under State and Federal Consumer Protection Laws on an individual and class basis, specifically for violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. See Smith v. Hecker, 2005 WL 894812 (E.D. Pa., April 18, 2005); Nelson v. Select Financial Services, 2006 WL 1672889 (E.D. Pa., June 9, 2006).  Ted has been appointed co-class counsel in several consumer class actions, including Rosenau v. Unifund, 646 F. Supp. 2d 743 (E.D. Pa. 2009); McCall v. Drive Fin. Servs., L.P., Phila. Ct. Com. Pleas, No. 0601-00005 (2009); Davis v. Riddle & Associates, P.C. and Jesse Riddle, 579 F.Supp.2d 692 (E.D. Pa. 2008); McCall v. Drive Financial Services, LP and Drive GP, LLC., 236 F.R.D. 246 (E.D. Pa. 2006), Dotson v. M.R.S. Associates, Inc., 06-cv-615 (E.D. Pa. 2006), Weinstock v. InoVision-Medclr Portfolio Group, LLC et.al., 05-cv-6392 (E.D. Pa. 2006), and Townes v. NCO Financial Systems, Inc., 06-cv-1305 (E.D. Pa. 2006). 

Prior to joining LFBB, Ted was a Senior Deputy Attorney General with the Pennsylvania Attorney General's Office, specializing in constitutional and civil rights law.  Ted graduated with honors from the Widener University School of Law, Wilmington, Delaware, in 1992, where he was a member of the Moot Court Honor Society. Ted received his undergraduate degree from the University of Maryland, College Park, Maryland, in 1987. Prior to attending law school, Ted completed Army Basic and Advanced Individual Training at Fort Jackson, South Carolina and then taught English at the University of Geosciences in Wuhan, China.  Ted is a Major in the U.S. Army Reserves JAG Corps.  From May 2007 to January 2008, Ted was deployed in support of Operation Enduring Freedom and served with distinction with the 82nd Airborne Division in Afghanistan. Ted served as a Lower Merion School Board Director from December 2005 through December 2009.

Ted is admitted to practice before the United States Supreme Court, United States District Courts for the Eastern District of Pennsylvania and the District of New Jersey, the Third Circuit Court of Appeals, the New Jersey Supreme Court, and the Pennsylvania Supreme Court.  Ted is a member of the National Association of Consumer Advocates (NACA).

Andrew M. Milz, Esquire

Andy Milz's primary focus at Lundy Flitter Beldecos & Berger is the prosecution of consumer protection actions in state and federal court.  Andy has litigated jury trials over mortgage fraud, inaccurate credit reporting and improper auto repossession tactics under federal and state consumer protection statutes.  He has experience litigating complex consumer class actions involving product defects, breach of warranty, securities laws, repossession practices, Fair Credit Reporting (FCRA) and Fair Debt Collection Practices Act (FDCPA) violations. 

A graduate of Temple University School of Law, Andy was Executive Editor of the Temple Political & Civil Rights Law Review.  He was awarded distinctions for his brief writing and outstanding oral advocacy in Temple’s renowned Integrated Trial Advocacy Program (ITAP).  Andy holds a Master of Arts Degree in English from the University of Scranton and is an honors graduate of King’s College.  He is the author of But Names will Never Hurt Me?, 16 Temp. Pol. & Civ. Rts. L. Rev. 283 (2006).

Andy is admitted to practice in the state and federal courts of Pennsylvania and New Jersey.  He is also admitted to practice before the United States Court of Appeals for the Third Circuit.  He is a member of the National Association of Consumer Advocates (NACA), the Montgomery Bar Association (where he is a member of the Federal Courts and Civil Rules committees) and the Philadelphia Bar Association.  Andy is a resident of Narberth, PA.