Bankruptcy is supposed to provide our clients with a fresh start, but unscrupulous creditors and debt buyers prevent many filers from receiving the full benefit of the bankruptcy discharge. Fortunately, the law is on our side, and that post-discharge credit reporting that is so common gives rise to a trifecta of claims that punish false reporting and provide cash compensation for our clients. Learn how Max regularly uses the bankruptcy courts to prosecute not only the discharge violation that occurs with post-discharge reporting of an unpaid balance, but the related FDCPA, FCRA and UDAP claims.
O. Max Gardner, III is recognized as one of the leading lawyers in America in the area of Predatory Mortgage Servicing and the standing of Mortgage Servicers in consumer bankruptcy cases. His position as an educator and as being an attorney on the front lines of the war against predatory lenders and mortgage servicers has captured the attention of ABC News Nightline, PBS Frontline, CNN, BusinessWeek, The New York Times, The Washington Post, Forbesand many other news outlets across the country. More importantly, Mr. Gardner has also captured the attention of unethical lenders, servicers and collectors. This is particularly true because of the hundreds of lawyers he has trained at his renowned “Consumer Bankruptcy Boot Camps” for over the past six years. He received his undergraduate degree from the University of North Carolina at Chapel Hill and graduated with highest honors from the UNC School of Law. Following graduation, Mr. Gardner served as Senior Law Clerk to the Hon. William H. Bobbitt, the late Chief Justice of the North Carolina Supreme Court, and to the Hon. J. William Copeland, an Associate Justice with the Supreme Court. He worked as an Associate with the law firm of Smith, Moore, Smith, Schell & Hunter in Greensboro, North Carolina, until 1977, when he opened a consumer based law practice in Shelby, North Carolina. Mr. Gardner was named the Outstanding Consumer Lawyer of 2004 by the National Association of Consumer Bankruptcy Lawyers (NACBA) and was elected a Member of the North Carolina Legal Elite by Business North Carolina in 2004, 2005, 2006, and again in 2007. He was also recognized as one of the “Super Lawyers” in North Carolina by the Charlotte Magazine and by Law & Politics in 2006, 2007, 2008, 2009, and again in 2010 in the field of Consumer Bankruptcy Law.