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North Carolina Lawyer Max Gardner runs boot camp... for bankruptcy lawyers. He is on a crusade to reform the mortgage industry and he has been using the bankruptcy courts to do that. He says judges have often canceled fees because they were not fully disclosed when the mortgage was signed. Ultimately, he says, Congress needs to reform mortgage practices so that all fees are fully disclosed to borrowers.

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Max Gardner, Bankruptcy Attorney, North Carolina
Michael Joe, Attorney, Legal Aid Center of Southern Nevada

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