Am I Eligible for Chapter 13 Bankruptcy?
by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 4 minutes
Recurring Charges: Why Are You Paying For That?
by Dave Gormley | Posted in Civil Law & Consumer | Reading Time: 2 minutes
On my way to Bankruptcy Court in Greenbelt, I caught a story on WTOP that said that more than 2 million people who are still paying for AOL dial-up service actually have high-speed internet access. It would seem likely that many of these people are paying for a service they no longer use. As part of...
Getting Your Will Done
by Dave Gormley | Posted in Wills & Estates | Reading Time: 2 minutes
Deciding it is time for a Will can be scary and stressful. It is easy to put writing one off until “tomorrow”. At Andrews, Bongar, Gormley & Clagett we can eliminate the stress and reduce the fear. The first step is to give us a call. Once you take the step to call us, we...
The Advance Medical Directive
by Dave Gormley | Posted in Wills & Estates | Reading Time: 6 minutes
What would happen to you if you had a major medical emergency, and you were in a coma or vegetative state? Unless you have already taken steps to provide legal instructions otherwise, the hospital will use all reasonable means to keep you alive – whether you want that or not. The document that gives you...
Home Improvements & Home Price
by Dave Gormley | Posted in Civil Law & Consumer | Reading Time: < 1 minute
Remodeling before your sell? Find out why this may not pay. Dave Gormley and real estate agent Ken Montville discuss Ken’s blog post Home Improvements and Home Price. In the interview they discuss the idea of return on investment and home improvements. If you are getting ready to sell your home taking on major renovations...
Scam Series – Child Models
by Dave Gormley | Posted in Civil Law & Consumer | Reading Time: 4 minutes
Do you think your child could be a model or an actor? If a talent scout says they’ve got a future in the business, you might be excited and flattered. But look out- you could be the target of a modeling scam. We don’t want to sound discouraging. We just want to give people a...
Who Can Qualify for Chapter 7 Bankruptcy?
by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 4 minutes
Chapter 7 bankruptcy offers a fresh start for individuals. If you’re struggling with credit cards or medical bills, Chapter 7 can erase your debts within a few months. However, because it discharges most consumer debts, not everyone will qualify for Chapter 7 bankruptcy. The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA) requires...
Can You File Chapter 7 Bankruptcy on Alimony?
by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 4 minutes
Alimony or spousal support is not dischargeable in bankruptcy. Bankruptcy can help you manage overwhelming debt, but it will not erase domestic support obligations. Or, if you receive spousal support, you will not lose it if you file for bankruptcy. Our attorneys have been handling bankruptcy cases in Southern Maryland for over 30 years. We...
Chapter 7 vs. Chapter 13: Understanding The Difference
by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 4 minutes
Filing for bankruptcy is never an easy decision. People often file for bankruptcy after a long period of financial stress. Unexpected financial troubles like a medical emergency or job loss can strain relationships and upend lives. Fortunately, the Bankruptcy Code provides individual consumers with a fresh start and a chance to reorganize and recover. Our...
How Long Does a Bankruptcy Remain on My Credit? (And Why It Doesn’t Matter)
by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 4 minutes
Before they file for bankruptcy, people often want to know, How long does a bankruptcy stay on your credit report? The simple answer is that a Chapter 7 bankruptcy appears on your credit report for 10 years after the date you file. Chapter 13 lasts for seven years from the filing date. That sounds scary....
