GARY ALLEN GARDNER practiced in the courts of Saginaw, Midland and Bay City before moving to Traverse City. Mr. Gardner has been a speaker and panelist for the Institute for Continuing Legal Education, and authored an article for the MICHIGAN BAR JOURNAL, The Fair Credit Reporting Act: Implications for 1999 and Beyond. Mr. Gardner is a member of the Association of Trial Lawyers of America, and the American Bar Association.  He is admitted to practice before all Michigan courts, as well as U.S. District and Bankruptcy Courts throughout Michigan.