Can You Keep Your House When You File For Bankruptcy?

by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 3 minutes

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?” In a chapter 7 or a Chapter 13 bankruptcy, if you don’t have any…

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Government Shutdown Crisis Budgeting

by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 4 minutes

budget tools

Here we go again.  With Federal Employees not knowing when they will get their next paycheck due to the threatened government shutdown, it is time to talk budgeting. Learn the best way to budget for a short term crisis like the government shutdown.  Federal employees and government contractors are loosing sleep worrying about the impact…

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How to Store Your Documents – the Right Way

by Tucker Clagett | Posted in Civil Law & Consumer | Reading Time: 3 minutes

Even in our increasingly digital world, you still have some important legal documents that must be 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. Nobody plans on a house fire, flood, or…

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Medical Care after a Car Accident – How do I pay for it?

by Tucker Clagett | Posted in Personal Injury | Reading Time: 4 minutes

Your primary concern after suffering any sort of personal injury should be getting quality medical care and getting well. Believe it or not, this can actually be fairly difficult. Why? Because our health insurance system, and the laws governing it, are a hot mess! The doctors are getting jerked around by the insurance companies. The…

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No New Year’s Resolutions

by Dave Gormley | Posted in Civil Law & Consumer | Reading Time: 3 minutes

pen and list

Should you make a budget and track all of your spending to make sure you follow it? Sure, but is making a New Years resolution really going to make you do it? Probably just the opposite. Almost all New Year’s resolutions fail in the first few months of the year.  My New Years resolution each…

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How to Freeze Your Credit

by Tucker Clagett | Posted in Civil Law & Consumer | Reading Time: 6 minutes

frozen credit card

I was part of the great Equifax hack of 2017. I guess I knew it was only a matter of time, but I had procrastinated taking steps to protect my credit (even after personnally writing about identity theft for this blog!). Now I had to face the music. So I froze my credit this morning….

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Beware of Free Tax Return Services

by Dave Gormley | Posted in Civil Law & Consumer | Reading Time: 2 minutes

computer with charts on screen

Want to file your taxes online for free? Who wouldn’t want that (assuming your tax situation allows for it)? Credit Karma is the newest kid on the block of free online tax preparation. But a recent Wall Street Journal story pointed out the perils of using Credit Karma. It seems “free” may not really be…

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Will I Ever Be Able To Buy A House After Bankruptcy?

by Dave Gormley | Posted in Bankruptcy & Foreclosure | Reading Time: 3 minutes

house with up arrow

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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Final Words to Your Family

by Tucker Clagett | Posted in Wills & Estates | Reading Time: 3 minutes

book with pen

This is the suggested format of a letter we suggest you write in our Free Legal Consumer Guide to making a will. This letter is not legally binding, but it goes with your will just to make things easier for your heirs after your death. Please read our entire Free Legal Consumer Guide to why…

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Can You Get A Mortgage To Buy A House Or Refinance Your Mortgage?

by Dave Gormley | Posted in Civil Law & Consumer | Reading Time: 3 minutes

house with percent sign

When mortgage rates first dropped below 4% a few years ago many people were told they couldn’t get a mortgage loan. If they were looking to buy they were told they needed perfect credit and a huge down payment. If they were looking to refinance they were told their house value had dropped too much….

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