Dave Gormley is a Partner and the head of our Bankruptcy and Real Estate departments. He has been handling bankruptcy and foreclosure cases for over 10 years. There isn’t much related to bankruptcy or foreclosure he has not already seen. Dave is admitted to practice in Maryland and the Federal Courts, including the U.S. Bankruptcy Court and the U.S. Supreme Court. He lives near Annapolis with his family.
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- Dave Gormley gave a presentation to inmates at the Charles County Detention Center as part of the Successful Transitioning and Reentry Skills Program. Dave’s presentation focused on what inmates can do to avoid bankruptcy and deal with the financial difficulties that may result from incarceration. The STARS program is a 10-week course consisting of educational sessions focusing on life skills such as resume writing, financial management, parenting, first aid, nutrition and more. Discover what you need to know about Bankruptcy in Maryland. Click here to see our Free Legal Consumer Guide to Bankruptcy and get answer to your questions today. Know your options. Be informed. Protect yourself.
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Keeping Your Car When Filing For Bankruptcy. In this Two Minute Legal Clinic Dave Gormley explains what your options are to keep your car when you file for bankruptcy. For more information on filing for bankruptcy in Southern Maryland see our Free Legal GuideKeeping Your House When Filing For Bankruptcy - The Two Minute Legal Clinic
Keeping Your House In Bankruptcy. In this Two Minute Legal Clinic Dave Gormley explains what your option are to keep your house when filing for bankruptcy. For more information about filing for bankruptcy in Southern Maryland see our Free Legal Guide https://southernmarylandlaw.com/legal-guides/bankruptcy-guide/What are Bankruptcy Exemptions - The Two Minute Legal Clinic
In this Two Minute Legal Clinic Dave Gormley explains Maryland's Bankruptcy Exemptions. For more information about bankruptcy see our Free Legal Guide: -https://southernmarylandlaw.com/legal-guides/bankruptcy-guide/How Much Debt Do You Need To File For Bankruptcy
When people come into our Waldorf or Lexington Park office for a free bankruptcy consultation, there are certain questions they will ask. One of these is “How much debt do...What To Bring To Your Bankruptcy Consult
What To Bring To Your Southern Maryland Bankruptcy ConsultThe Different Types Of Bankruptcy
The Different Types of Bankruptcy.Dave Gormley reviews the different types of bankruptcy. From Chapter 7 to Chapter 15. Sometimes when people come into our Waldorf or Lexington Park office they know exactly what type of bankruptcy they want to file. Other times a person just comes in to find out what options they may have. Even the person who thinks they know what they want to do is sometimes surprised that another type of bankruptcy is there best option. During your initial consultation we may even find that deciding what is the best bankruptcy option is a tough decision. While you can’t just read an article and figure out what type of bankruptcy you should file, having a basic understanding of the different types of bankruptcy is still a necessary first step in the decision making process. To help you get a better understanding of the different types of bankruptcy this article will give you an overview of some of the different Chapters of the Bankruptcy Code.Preparing for Your Meeting of Creditors
Preparing for Your Southern Maryland Meeting of CreditorsEnsuring A Successful Real Estate Settlement
The Real Estate ShowA Southern Maryland Lawyer and Southern California Realtor talk about the Issues
A Southern Maryland Lawyer and Southern California Realtor talk about the Issues
- Q. Question about 5-101 Maryland. Where does the 3 year date start? It says from the date it accrues?
- A: For debts it runs from the breach of the contract. Usually this is the date of the last payment. For more information on this statute see the Maryland People's Law Library article: https://www.peoples-law.org/statute-limitations
- Q. I noticed that it costs less to file a Chapter 13 bankruptcy in Maryland than a Chapter 7. I don't have a lot of money.
- A: Chapter 13 is a payment plan where you pay back some or all of your debt over a 3 to 5 year period. While the filing fee for a 13 is less than the filing fee for a Chapter 7 that does not make it the cheaper option. The attorney's fees are usually more than for a Chapter 7. Along with that you will have to pay back at least some of your debt.
- Q. I have loans Secured and unsecured Payday loans and a garnishment. I cannot afford the attorney fees. What do I do?
- A: At least get a consultation with a bankruptcy lawyer. If you still find you can afford to pay a lawyer they may be able to point you in the direction of some local resources so you don't have to try to represent yourself. At least do a search to see if there is a local Pro Se Assistance Project or if legal aid can offer you help.
- Q. How do I find information on previous bankruptcy discharged in Orlando
- A: I agree with Mr. Denison. But if you were represented by a lawyer they should be able to provide a copy. You could also check with the clerks office to see if you can print copies from a computer station at the Court House.
- Q. I need a reaffirmation agreement for my mortgage but i wasn't given one 8 years ago. My lawyer said I don't need one.
- A: One option would be to see if you should refinance your house. Only do this if it makes sense financially. Don't do it just to get a mortgage company to report payment to a credit bureau.
- Q. I claimed bankruptcy in 2017. I received a letter that said I need to vacate in ten days. I called them and asked for 30
- A: To answer your question I would need some more details on the letter and what legal proceeding have taken place. Your reference to a the bankruptcy makes me suspect the property may be one that you owned and now has gone to foreclosure. You may want to do a search and see if an eviction has been filed. If so you may want to check with the Baltimore County Sheriff's Office to see if an eviction has been scheduled. If you don't have a case number for an eviction case you could to a search on Maryland Judiciary case search to see if a case is pending. You should probably try to see if you can schedule a consultation with a lawyer and gather any notices your have received. In the mean time you can also review some of the article on Maryland People's Law library on eviction and foreclosure: https://www.peoples-law.org/search/site/foreclosure https://www.peoples-law.org/rent-court
- Q. My dad is filing for bankruptcy and has his name on my bank account. What does this mean for the money that is mine?
- A: Your father will have to list this account as an asset in his case. The question is how can he protect this asset with exemptions he has to protect assets. If he is filing a Chapter 7 bankruptcy the Trustee can take the nonexempt assets to distribute among the creditors. If he transfers an the account to you before filing he has to report this transfer and he losses his ability to use his exemptions to protect at least some of the account.