Florida Consumer Law Center, P.A.

1. Florida Consumer Law Center prides itself with the experience of our Team – over 50 years. We invite you to meet our Team of Professionals Florida Consumer Law Center, P.A.

2. Charles W. Cadrecha, Esq. • The Florida Consumer Law Center was formed by attorney Charles W. Cadrecha, Esq. Born and raised in Tampa as a 4th generation; Mr. Cadrecha attended Jesuit High School and completed his undergraduate degree at the University of Florida. Knowing he would return home, he attended Stetson University College of Law in St. Petersburg to be close to his friends and family. Mr. Cadrecha then spent his first five years out of law school as a collection attorney witnessing firsthand the abuses and harassment the collection industry was perpetrating against individuals. Not happy with being a part of what he was seeing, he left and vowed to never represent a collection company again. He formed the Florida Consumer Law Center for the purpose of advocating the rights of consumers and bringing those who are using unfair and unlawful tactics against consumers to justice. •   Charles W. Cadrecha, Esq., as a lifelong and 4th generation resident of Tampa Florida, has dedicated his law practice to helping the citizens of our state defend their rights for themselves and their families. He also volunteers in his home town with the Hands on Tampa Bay volunteer organization. His dedication and passion to represent our clients is a testament to the principle on which, the Florida Consumer Law Center was established •   Charles can be reached at (813) 868-3484, Ext. 107 or by email Charles.Cadrecha@FLCLC.com.

3. Chrys WelshOffice Manager and Sr. Paralegal • Chrys comes to Florida Consumer Law Center with over 15 years of managerial experience; 6 years of which were acquired during her time enlisted with the US Army.  Her proven track record includes developing and implementing standard operating procedures resulting in optimum efficiency and productivity.  Chrys also brings 9 years’ experience in the legal field; both in management and paralegal/legal drafting environments.   This experience, combined with her superior knowledge of a multitude of computer programs helps FLCLC to exceed in providing excellent customer service and support. •   Chrys is a Tampa native.  She graduated from Robinson High School and has attained Associate Degrees from Hillsborough Community College in both Liberal Arts as well as an Applied Science Degree in Paralegal Studies.  •   Chrys brings not only the experience and education, but also professionalism and quality to our services. • Chrys can be reached at (813) 868-3484, Ext. 201 or by email Chrys.Welsh@FLCLC.COM.

4. Adriel TorresClient Intake Supervisor • Adriel joined Florida Consumer Law Center with over 14 years’ experience in real estate. His vast knowledge in different aspects of the field (including real estate sales, mortgage lending and origination, credit repair and debt settlement as well as extensive short sale negotiations) help the firm to offer comprehensive assistance to its clients. In addition to having been a licensed mortgage broker, Adriel was an owner in two mortgage companies. He personally oversaw the expansion of a national sub-prime lender business throughout the Florida West Coast. Adriel’s broad understanding of the real estate business is exactly what our clients need during their difficult time and financial hardship. Call him today for any questions regarding short sales, debt settlement, foreclosure defense and any real estate related matters. • Adriel left Cuba at the age of 9 and settled in Tampa in 1985. He holds a degree in Mass Communications from HCC. • You can reach Adriel at (813) 868-3484, Ext. 209 or via email Adriel.Torres@FLCLC.com.

5. Brad SmithParalegal • Brad joined Florida Consumer Law Center in 2011 while studying for his Advanced Training Certificate in Paralegal Studies at HCC. After graduating from the University of Tampa with a Bachelor Degree in Communications, he decided to pursue further education in law. Brad is responsible for many of the law firm’s duties, such as drawing up legal motions, scheduling client consultations and hearings, as well as organizing and maintaining clients’ files. His professional demeanor coupled with his warm manner, make dealing with the firm a pleasurable experience for all of our clients. • Brad was born in Washington State and moved to Tampa in 1995. He holds a BA in Communications from the University of Tampa. • Brad can be reached at (813) 868-3484, Ext. 208 or by email at Brad.Smith@FLCLC.com.

6. Noreen KleinDirector of Loss Mitigation • Noreen began as a contractor with Florida Consumer Law Center, performing forensic loan audits and negotiating modifications and short sales for our clients in 2010. Having been in the mortgage industry for over 30 years, she has held underwriting designations from FHA, VA, FHLMC, FNMA and MGIC. Noreen owned a local mortgage company for 14 years; acquiring experience from origination, auditing, sales/servicing and management. She also taught mortgage lending for The American School of Mortgage Banking. Noreen’s extensive background in mortgages provides a professional insight into the philosophies of our clients’ lenders. A graduate of CUNY and a Tampa resident since 1983, she has been very active in community activities such as the Carrollwood Area Business Association (current President), the North Tampa Chamber of Commerce, the Carrollwood Community Bar Association and many others. From Girl Scouts to Injured Veterans to Equestrian rescues, Noreen has been volunteering for many years in the Tampa area. • You can reach Noreen at (813) 868-3484, Ext. 200 or by email at Noreen.Klein@FLCLC.com.