In an area of law dominated by creditors and debt collection agencies with years of experience in court procedures, it’s easy to see how not just clients but even attorneys unfamiliar with the litigation process might lack confidence.  But as Richard Dennis can report, even the most basic advice and assistance can make an enormous difference for low-income debtors who feel confused and powerless. Richard worked for AT&T for 17 years, first handling corporate matters including mergers and acquisitions, and then working in the company’s global operations legal team.  He is also a long-time volunteer at VLJ’s Consumer Law Clinic