About PACT

A national coalition for a legal system that protects, not exploits.

Protecting American Consumers Together (PACT) is a national nonprofit defending consumers from a personal-injury industry that has come to operate more like a marketing machine than a profession.

Protect Consumers

Defend American families from predatory legal practices that quietly transfer wealth from accident victims to billboard advertisers and litigation financiers.

Expose the System

Investigate and document how billboard-lawyer ecosystems operate — from staged crashes and captive clinics to the third-party capital behind the ad spend.

Empower the Public

Give consumers, press, and policymakers the data, case files, and firsthand stories they need to demand reform.

Three lanes, one mission.

Investigate

We gather data, polling, and firsthand accounts to build a full picture of how predatory legal advertising and third-party litigation funding operate in America today.

Educate

We translate what we find into plain-English guidance — through investigative reporting, polling, exhibits, and standalone initiatives for victims and the press.

Advocate

We back bipartisan reform efforts and stand alongside leaders willing to take on the billboard-lawyer industry.

Leadership

The people behind PACT.

Staff & Board

Lauren Zelt

Executive Director

Lauren A. Zelt is a seasoned public affairs professional with more than 15 years of experience. She previously ran her own public relations firm for six years.

Named one of Business Insider's 20 Female Political Strategists to Watch, Zelt also served as a communications staffer in the U.S. Senate and worked on presidential campaigns specializing in media affairs and communications. She has appeared on national news programs on MSNBC and Fox News, and has been quoted in CNN, The Washington Post, and Politico, among others.

Zelt graduated cum laude from Georgetown University.

Board of Directors

2 members

Tim Capowski

Board Member

Chair of Kahana Feld's National Appellate Litigation & Consulting Group, Tim is an AV-Preeminent attorney with three decades at the forefront of the insurance defense bar. He has been instrumental in exposing extortionate consumer third-party litigation-funding tactics that victimize injured plaintiffs and defendants alike.

More recently, Tim has led the effort to expose and defend against what he calls the Fraudemic — the largest insurance fraud in U.S. history — and its correlation with undisclosed consumer litigation funding.

Tim has litigated hundreds of appeals and thousands of motions in state, federal, and appellate courts throughout New York and around the country, across complex torts, product liability, premises liability, Labor Law, insurance coverage, and commercial litigation.

Jessica Schmor

Board Member

Founder of Allegiant Experts, a healthcare consultancy, Jessica is a registered nurse, certified coder, and accredited healthcare fraud investigator with over 20 years of experience across the Canadian and American healthcare systems.

She launched Allegiant Experts to advocate for accountable, fairly-priced care. Her clients — attorneys, compliance officers, health plans, and providers — rely on her to interpret medical coding and billing in litigation and to render expert opinions in medical-legal matters.

Your Voice

Has a personal-injury firm taken advantage of your claim?

Your experience helps us build the case for national reform. Every story is handled with strict confidentiality.

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