Final Boot Camp Farewell

To all my Boot Camp Grads and fellow bankruptcy attorneys:

All the years have a way of running together these days.

The long days… the late nights… the courtrooms… the classrooms… the Boot Camps. One by one, they’ve all come and gone. And what’s left isn’t the travel, or the schedules, or even the cases themselves.

What’s left… are the people.  All of you.

And the fight.

Our fight.

The fight we won.

We didn’t build this the easy way. There were no shortcuts. No guarantees. No easy ways or quick fixes. We took on a system that, for a long time, didn’t expect to be challenged—and we challenged it anyway.

We stood up in courtrooms where the odds were stacked.

We took on creditors who never thought they’d be questioned or called out.

We turned a passive process into a living, breathing form of real trial advocacy.

And along the way, something happened.

Young lawyers found their voice.

Debtors found their dignity.

And a system that once ran on paper alone… started answering to people again.

We found stuff that works.

We found stuff that’s real.

We found stuff that you don’t hang on the wall.

Those are our souvenirs.

And I can tell you this—you cannot buy this kind of stuff.

This stuff cannot be won for free.

These souvenirs weren’t given to us.

They were earned… case by case, client by client, day by day, month by month and year by year.

It took a lifetime for us to build all this stuff.

And as you know, the time came for me in December of 2023 to step away from this long journey. This long and winding road.

Not because the work was done.

Not because I voluntarily chose to leave it.

But because my health simply required it.

I was able to beat a boat load of creditors, but I could not beat biology and father time.

There’s no mystery to it. No other story behind it. Just the reality that the body, at some point, started making decisions of its own.  And when you have Progressive White Matter Disease and Carcinoid Cancer of the right lung you listen to it.

And so I’m listening!

But hear me on this—

I am not walking away from what we built.

Because what we built was never meant to belong to any one person or group.

It belongs to every one of you who sat in those rooms… who took the notes… who went back home and tried something different… who stood up in court and pushed just a little harder because you knew you were right.

It belongs to:

  • Every detailed Chapter 13 Plan filed with the Gardner terms.
  • Every motion to modify or seek other relief.
  • Every objection to a motion for relief from the automatic stay.
  • Every objection to a proof of claim.
  • Every objection to a motion to dismiss.
  • Every adversary proceeding.
  • Every automatic stay enforced.
  • Every discharge violation enforced.


That’s where this lives now.

So, when you walk into your next courtroom…

When the pressure is on…

When the other side expects you to fold—

Don’t.

Stand there like you’ve been taught.

Make your record.

Push your case.

Argue the facts you have discovered.

Argue the laws we have enforced and made.

And remember:

  • This fight cannot be bought.
  • And it is never given to us for free.
  • It was and it is earned.
  • It took us years to get these souvenirs and do not let anyone take them away.


If I’ve left you with anything… I hope it’s this:

  • Have the courage to challenge what’s in front of you.
  • Have the discipline to do the work.
  • And have the conviction to know that what you’re doing really matters.


Because it really does.  It always did.

And as for me—

I’ll carry these memories with me. Every courtroom. Every Boot Camp. Every one of you.

Those are my souvenirs.

And I wouldn’t trade them for anything.

Thank you… for being part of this fight.

Post Script: I hate graveyards and old pawnshops, because they always bring me tears. But no one can ever rob me of my Boot Camp Souvenirs.

Gardner
Attorney

O. Max Gardner, III, currently limits his practice to consumer bankruptcy cases and all consumer claims arising with respect to those cases. He has been widely recognized as the leading consumer attorney in America on “predatory mortgage servicing” in Chapter 13 bankruptcy cases. The National Association of Consumer Bankruptcy Lawyers (NACBA) recognized Mr. Gardner as a Champion of Consumer Rights in 2003; named him the Outstanding Consumer Lawyer of 2004 and awarded him The Distinguished Service Award in April of 2013. Gardner has been elected five times as a member of the “Legal Elite” of North Carolina lawyers by his fellow attorneys in a state-wide poll conducted by Business North Carolina magazine. He is the only consumer lawyer who has been named as a North Carolina “Super Lawyer” in the field of consumer law for five consecutive years by Law & Politics and the Charlotte Magazine. Mr. Gardner was named a Top Lawyer in N.C. in 2013 by The Legal Network. Gardner has received the AV Preeminent Award from Martindale Hubbell for the past 22 years, the highest ethical rating for lawyers. He is a long-time member of NACBA and the National Association of Consumer Advocates (NACA) and a frequent national speaker on bankruptcy law, mortgage servicer abuses, and consumer representation. Gardner has also trained thousands of consumer lawyers and legal professionals since 2005, and is the Chief Executive Officer of Max Gardner’s Consumer Defense Academy (pka Max Gardner’s Bankruptcy Boot Camps). Gardner is also “Of Counsel” to the Dallas, Texas firm of Kellett and Bartholow. The firm focuses on major cases against mortgage servicers in consumer bankruptcy cases and on discharge violations by original creditors and the debt-buying industry.

Related Articles

Sensenich
September 29, 2024
Jan Sensenich is retiring today . . . . Bidding farewell to Jan is no easy task. He has been a well-respected Chapter 12 Trustee and Standing Chapter 13 Trustee for 33 years . . . We love and will miss you, Jan, but won’t miss you too much! Jan plans to continue writing for ConsiderChapter13.org!!
Hayes Jury
November 23, 2025
Are pre-petition refunds to investors made by a person operating a Ponzi scheme avoidable as preferences? Yes, says the Supreme Court.
Members
Screenshot_9-6-2025_113116_
August 17, 2025
For below-median income debtors, plan extensions beyond 36 months are meant to be voluntary and flexible—not coerced by courts, trustees, or creditors. While ‘cause’ can justify a longer plan, it must be determined case-by-case.
Members
Hayes Jury
August 3, 2025
Does Bartenwerfer extend to willful and malicious injuries? No says the 9th Circuit BAP.
Members
moran_cathy
December 10, 2023
“The bankruptcy petition came to my desk for review with no entry for “clothing and wearing apparel”. Funny, I think I’d remember if I’d interviewed any naked people lately.” Although filled with Attorney Moran’s wit, there is an important lesson here! Feel free to add your own ‘naked client’ story in the comments section below the article.
Members
johnhooge
September 29, 2024
In a Chapter 7 client surrendered her vehicle. Case was filed declaring such and no vehicle ownership expense was claimed. Subsequently, the lender offered a modified loan with a reduced monthly payment that was found acceptable. Accordingly, client now plans to reaffirm. This raises several procedural questions Attorney Hooge answers for us.
Members
October 20, 2019
By Herb Beskin, Chapter 13 Trustee and Edward M. Wayland, Esq. (Charlottesville, VA) Trustees are not privy to the struggles of Debtors as they emerge from Chapter 13 and work to re-establish (establish?) their credit worthiness. A crucial factor in this process is the Debtor’s credit report. In this article, we discuss the Fair Credit Reporting Act (“FCRA”), the rules...
Members
September 22, 2019
By Cathy Moran, Esq. (Redwood City, CA) I wrote earlier about calculating the projected income tax deduction on the means test when the year of filing situation looks much like last year. But what if things aren't the same year over year? Your job as a bankruptcy attorney becomes more complicated. It's suddenly more than figuring the tax refund or...
Members
Copy of Hildebrand-2016
April 19, 2026
Although a Chapter 13 plan can override a writ of eviction, debtor must demonstrate they can perform under an assumed lease and default can be cured “promptly.”
Members
headshot 2
January 5, 2025
A recent decision out of Maine underscores the strategic nuances of discharging student loans in bankruptcy.
Members

Looking to Become a Member?

ConsiderChapter13.org offers a forum to advance continuing education of consumer bankruptcy via access to insightful articles, informative webinars, and the latest industry news. Join now to benefit from expert resources and stay informed.

Webinars

These informative sessions are led by industry experts and cover a range of consumer bankruptcy topics.

Member Articles

Written by industry experts, these articles provide in-depth analysis and practical guidance on consumer bankruptcy topics.

Industry News

The Academy is the go-to source for the latest news and analysis in the Chapter 13 bankruptcy industry.

To get started, please let us know which of these best fits your current position: