Don't let creditors steal your fresh start! Reporting or attempting to collect discharged debts is illegal.
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NCBLC - National Consumer Bankruptcy Litigation Center
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NCBLC Firm Overview
The National Consumer Bankruptcy Litigation Center (NCBLC) was founded by national leaders in the field of consumer bankruptcy law. These consumer bankruptcy attorneys from across the country have come together to enforce consumer protection laws and create an environment of economic justice for American consumers throughout the United States.
For years, the credit and collection industries have gotten away with blatantly disregarding state and federal laws designed to protect consumers like you. Post-bankruptcy consumers are especially vulnerable; by NCBLC estimates, bankruptcy discharge violations like post-discharge collection efforts and inaccurate credit reporting occur in virtually every bankruptcy case. And, if you've filed for bankruptcy, you may have difficulty finding affordable legal counsel to enforce your post-discharge rights.
That difficulty has, traditionally, given the credit and collection industries a tremendous advantage, to the detriment of honest consumers like you who couldn't enforce their rights. Now, they're losing that advantage. The NCBLC partners have had enough, and we're leveling the playing field. We've joined forces to fight the unscrupulous creditors and collection agents who would deny you the fresh start guaranteed by the U.S. Bankruptcy Code.
Already, NCBLC attorneys are leading the way in enforcing existing consumer protection laws, while creating innovative consumer-friendly case law. If you've received a discharge in bankruptcy and your creditors are still seeking to collect from you, discharged items are still appearing on your credit report, or collection agencies or debt purchasers are telling you that they aren't covered by your bankruptcy discharge because they're a different company, you're not alone anymore. NCBLC has the knowledge, the resources, and the manpower necessary to lead the battle for economic justice for American consumers.
O. Max Gardner III
Partner, CEO and Vice President in Charge of Legal Affairs
Business North Carolina has named O. Max Gardner III one of the top bankruptcy lawyers in North Carolina for three consecutive years. He was also selected by Law & Politics and Charlotte Magazine as one of North Carolina's "Super Bankruptcy Lawyers" in 2006, and will be so named again in 2007.
Bradford W. Botes
Partner and Vice President in Charge of Legal Relationships
A native of the Chicago suburbs (LaGrange, Illinois), Brad graduated from Lyons Township High School and then received his Bachelors of Science degree from the University of North Alabama where he double majored in Business Management and Political Science. While there he was elected and served as president of the Student Government Association during both his junior and senior years. He thereafter attended Cumberland School of Law at Samford University where he was awarded a Juris Doctorate degree.
M. Erik Clark
Partner and President
M. Erik Clark is a founding partner of Borowitz, Lozano & Clark, LLP, a leading consumer bankruptcy firm with offices throughout Southern California. Mr. Clark, who has represented thousands of individuals and other entities in Chapter 7 and Chapter 13 bankruptcy proceedings, currently serves as President of the American Consumer Bankruptcy College.
Kevin W. Chern
Partner and Vice President of Technology
Kevin Chern is the former managing partner of the largest consumer bankruptcy law firm in the United States. Between 1997 and 2005, Mr. Chern built that firm from two attorneys to more than 180 employees in 19 states serving approximately 450 new clients each week. He has personally represented thousands of consumers in bankruptcy matters, and is a recognized expert in the area of law practice development.
David Lozano
Partner and Vice President in Charge of Public Relations
David Lozano is a senior partner with the law firm of Borowitz, Lozano & Clark, LLP. Mr. Lozano has represented thousand of clients in Chapter 7 and Chapter 13 bankruptcy proceedings.
Kathy Cruz
Partner, Secretary, and Vice President in Charge of Regulatory Compliance
Kathy Cruz is a nationally recognized expert in bankruptcy law. During her twenty-two years in legal practice, she has been quoted in the Congressional Record as a source on bankruptcy law, served as a reference on bankruptcy law for CNN, and been cited in Progressive Magazine and the Arkansas Democrat Gazette.
Barry E. Borowitz
Partner and Vice President in Charge of Public Relations
Barry Borowitz is the senior partner in charge of marketing for the Law Offices of Borowitz, Lozano & Clark, LLP, a leading consumer bankruptcy firm with offices throughout Southern California. Mr. Borowitz has represented thousands of clients in Chapter 7 and Chapter 13 bankruptcy cases.
Ronald C. Sykstus
Partner and Vice President in Charge of Litigation Support
Ronald C. Sykstus is Managing Partner with the Law Offices of Bond, Botes, Sykstus & Larsen, PC, a leading Alabama bankruptcy firm. He is board certified in Consumer Bankruptcy Law by the American Board of Certification. Mr. Sykstus concentrates his practice in the areas of consumer bankruptcy and consumer protection law, including Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA) cases. He is admitted to practice law in Alabama, Illinois, Washington D.C., Tennessee, the U.S. Army Court of Military Appeals, and the U.S. Court of Appeals for Veterans Claims.