From the time she was licensed in the State of Texas, Ms. Karni has solely practiced in the area of consumer advocacy. Her primary focus is on consumers’ rights with respect to credit and debt. Ms. Karni has spoken on the Fair Debt Collection Practices Act both at continuing legal education classes and public forums. Ms. Karni is an adjunct professor at the University of Houston where she teaches Practicing Consumer Law. She is on the board of directors with the Houston Bar Association Commercial and Consumer Law Section and is a member of Ethics Committee for the National Association of Consumer Advocates. More information is available at www.TexasConsumerDebt.com.