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Kit James Gardner


Kit received his law degree in 1992 from the University of California at Davis. He was an Executive Editor of the U.C. Davis Law Review, and served as an intern to the Honorable Terry J. Hatter of the United States District Court for the Central District of California. He received his Bachelor of Arts degree from the University of California at Santa Barbara in 1988, graduating with honors and distinction.

He formerly served as an editor and contributor to San Diego Lawyer Magazine, writing numerous articles of interest to the legal community, and has written articles appearing in the Los Angeles Daily Journal and the California Bankruptcy Journal. He was a Director of the San Diego Bankruptcy Forum from 2007 to 2010, and is a volunteer mediator for the United States Bankruptcy Court for the Southern District of California. He is a member of the San Diego County Bar Association Committee on Bankruptcy, and has served as an Adjunct Professor at California Western School of Law, co-teaching a course on real estate law.

From to 2012 to 2017, Kit served on the Board of Directors of North Island Credit Union, a financial institution with over $1 billion in assets and more than 230 employees. For two of those years, he was the Vice-Chairman of the Board. He also presently serves on the Supervisory (audit) Committee of Frontwave Credit Union.

Representative Matters Across California:

  • Secured dismissal of a suit brought by one major national bank against another in federal District Court in Los Angeles (Wells Fargo Bank, N.A. v. JPMorgan Chase Bank, N.A. et al.).
  • Defended and won summary judgment for 54 investors being sued in the Bankruptcy Court by the debtor (In re Encinitas Office, LP).
  • Confirmed Chapter 11 bankruptcy plans of reorganization for clients, restructuring their debt and keeping them in business (In re Otay-Adejo, LLC; In re Roth-Montezuma, LP; In re Roslyn Lane, LLC; In re Lignus, Inc.).
  • Successfully defeated a summary judgment motion brought by a national mortgage servicing company against a national bank in Santa Ana, resulting in settlement (American Home Mortgage Servicing, Inc. v. Bank of America, N.A.).
  • Won summary judgment for a national sub-servicing company being sued in federal District Court by a borrower (Pinsonneault v. Federal Deposit Insurance Corp. et al.).
  • Successfully remanded state court litigation and represented the plaintiff in related multi-party bankruptcy litigation (In re DIS Partners, LLC; In re BridgeBilt, LLC; In re Jacob Carroll; In re Jeremy Carroll; In re Wade Carroll).
  • Helped Trustees in numerous cases liquidate property and recover funds.
  • Represented various financial institutions with respect to legal and regulatory issues.
  • Assisted countless businesspeople and other individuals in finding solutions to their challenges.

Professional Affiliations & Admissions:

  • State Bar of California
  • State Bar of Nevada (presently inactive)
  • All California Federal District Courts
  • San Diego County Bar Association
  • San Diego Bankruptcy Forum (Director, 2007-2010)
  • Association of Business Trial Lawyers
  • National Association of Bankruptcy Trustees
  • San Diego Corporate Director’s Forum
  • Committee Member, Insolvency Law Committee (Business Law Section of the California Lawyer’s Association)

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