by Dave Gormley | Posted in Civil Law & Consumer | Reading Time: 3 minutes
In Maryland you will often see cases where the lender just sues the cosigner. This can be very frustrating for the cosigner of a loan. They probably thought they were just helping out. They probably thought they couldn’t get sued themselves. People in this situation who come to us for a bankruptcy consult or civil...
by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 5 minutes
Here we go again. The government shut down is scheduled to start October 1. Federal employees may soon be unsure about when they will get a paycheck. This one could last a long time. What is the best way to budget for a short term crisis like the government shutdown? As a bankruptcy attorney in...
by Dave Gormley | Posted in Wills & Estates | Reading Time: 4 minutes
It is an all too common story – a family ended up in litigation because the mother had no will. But in this case, we all know who the mother is, and she was certainly rich and famous enough that this never should have happened. A will is a simple legal document that is easily...
by Dave Gormley | Posted in Civil Law & Consumer | Reading Time: 4 minutes
Even in our increasingly digital world, you still have some important legal documents that are probably still in hard copy, and must be properly protected. If your most important documents are just shoved into a drawer, or a cheap metal filing cabinet, then you are going to have a HUGE headache if something goes badly....
by Dave Gormley | Posted in Civil Law & Consumer | Reading Time: 4 minutes
This is a cautionary tale. Read this to find out what NOT to do for your children. You can be forced to pay for the divorce and child support debts of someone else, if you do this one very common thing. What if you suddenly had your entire life savings drained dry due to your...
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...
by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 5 minutes
What Happens to Your Car in Bankruptcy? If you live in Southern Maryland it is hard to make do without a car. Because of this one of the things we do when you come in for a free initial bankruptcy consult in our Waldorf or Lexington Park offices is figure out what you have...
by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 2 minutes
Last year in 2020, I wrote an article about what to do with your government stimulus check. We’ve gotten two more since then, and my advice has changed. Last year the right answer was to save it as an emergency fund for the coming pandemic, and to use it to pay down debt if you...
by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 3 minutes
Recently, some clients have mentioned during their consults that they heard this is the “perfect” time to file for bankruptcy. While I certainly think bankruptcy is a good answer for many people, bankruptcy is not the answer for everyone. Is it a good answer for you? Like so many things in life the answer to...
by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 3 minutes
When someone here in Southern Maryland comes to me to file for bankruptcy they sometimes ask if they will ever be able to get a mortgage to buy a house. Many people just assume they never will be able to qualify for a mortgage in Maryland after filing a bankruptcy. That just isn’t true. I...
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