Merchandise Details
Member Price$99.00
Non-Member Price$199.00
Merchandise Description


Date:  November 5, 2020

Time:  3:00-4:30 p.m. Eastern

Cost:  $99 Member / $199 Non Member

Speakers: O. Max Gardner and Jay Patterson


As the economic fall-out of COVID-19 continues, more and more people will seek out forbearances for their home, auto and student loans. The options available are dependent on the type of government-backed loans held by the borrowers. Max Gardner and Jay Patterson will explore the end of forbearance options for Fannie Mae and Freddie Mac loans as well as FHA/VA insured loans. 

Escrow issues that can play a part of the post forbearance options.  Previous partial claim modifications are integrated in the decision process as well for FHA loans.  Learn about the many forbearance opportunities available to consumers. This webinar is geared to intermediate practitioners.

What You Will Learn:

  • What are the options available for borrowers at the end of their forbearance plans
  • Why the status of the loan on March 1, 2020 is important
  • Whether the borrower can maintain their pre forbearance payment 



Jay Patterson is a nationally recognized forensic accountant and Certified Fraud Examiner.  He is the owner of Full Disclosure LLC since 2007.  His practice is limited to forensic and investigative accounting/auditing relating to mortgage loan servicing functions, processes and document forensics.  Jay has specialized knowledge in these areas and has testified as an expert witness in a variety of jurisdictions, including state courts, federal courts and legislative bodies.  He has developed methodologies used in the investigation, examination and analyses of mortgage loan servicing transactions and processes. Jay is currently working with the Ditech Holding Corporation Consumer Creditor Recover Trust analyzing claims. 


Attorney Oliver Max Gardner III is recognized as one of the leading lawyers in America in the area of predatory mortgage servicing and as the “dean” of mortgage servicing issues in consumer bankruptcy cases. Max received his undergraduate degree from the University of North Carolina at Chapel Hill in 1969 and graduated with high honors from the UNC School of Law in 1974. Following graduation, he served as the senior law clerk to the Hon. William H. Bobbitt, the late Chief Justice of the North Carolina Supreme Court, and as senior law clerk to the Hon. William Copeland, an Associate Justice of that Court. He has been recognized twice by the National Association of Consumer Bankruptcy Attorneys for special national awards. He is also the founder of his renowned Max Gardner’s Bankruptcy Boot Camp. 

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