Requesting Foreclosure Mediation in Maryland When someone comes into our Waldorf or Lexington Park offices for a foreclosure consult, they often have a packet from their mortgage company that includes the Maryland Foreclosure Mediation Op-In Form. Many people ask if going to mediation is worth the $50 fee. The answer is it may be worth […]

Hopefully you are reading this because you have made it to the end of your Chapter 13 Plan. Maybe you just got the Notice of Completion of Plan Payments. Now it is time to get your discharge and have your case closed. Congratulations. A Chapter 13 Plan is not an easy thing to complete. Notice […]

Now your plan is confirmed you still have to complete the plan. In most cases there are five years of payments. However, the five years runs from the filing of your case, not when it is confirmed. So that finish line has gotten closer while we were negotiating with the Trustee over the payments. You […]

(Originally published in 2013, and updated in 2019, because it keeps happening!) In the last year, we have gotten several calls from clients who have gotten calls from debt collectors threatening them with jail time. Some of these clients had already filed for bankruptcy so they knew something was wrong, but they were still upset. […]

Some people count on their tax refund to pay for their summer vacation or swimming pool membership. However, many others count on their refund to help them get caught up on their credit cards and other bills. When you file for bankruptcy you have to count as an asset the tax refund that you are […]

Chapter 7 Step 6 – Waiting: After the meeting, the Trustee and the creditors have 80 days to object to your right to a discharge. This does not usually happen, as long as your bankruptcy petition is accurate. Your attorney will handle it if it does happen. Typically, the only extra step may be reaffirmation […]

Chapter 13 Step 6 – Confirmation Hearing: For Chapter 13 cases only – If you file a Chapter 13 bankruptcy, a Confirmation Hearing will be held. This is part of the negotiating game to determine if the terms of the repayment plan. In many cases you never have to attend this hearing. The Trustee will […]

For the person who owns a house, the first question they may ask when they come in for a bankruptcy consult is “Can I keep my house?” The real question is “What do you have to do to keep your house when filing for bankruptcy?” You can keep your house when you file for bankruptcy […]

Our own Dave Gormley is in the Business Spotlight. In this interview with Kimberly Bean of the Southern Maryland Real Estate Network, he discusses how his bankruptcy and real estate practices impact his view of the real estate market.