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.
- Estate Planning
- Personal Injury
- Car Accidents
- Free Consultation
Free Bankruptcy and Personal Injury Consultations
- Credit Cards Accepted
- Contingent Fees
- 4th Circuit
- U.S. Supreme Court
- English: Spoken, Written
- Andrews Bongar Gormley & Clagett
- - Current
- University of Baltimore School of Law
- University of Maryland - Baltimore County
- B.A. (1988) | History & Political Science
- Peer Reviewed
- Martindale Hubbell
- 5 Star
- Maryland State Bar
- - Current
- How Much Debt Do You Need To File Bankruptcy
- Southern Maryland Law
- Bankruptcy Basics, Successful Transitioning and Reentry Skills Program, Charles County Detention Center
- Charles County Sheriff's Office
- 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.
- Maryland Licensed Title Producer
- Maryland Insuance Administration
- Southern Maryland Law
- Southern Maryland Law Bankruptcy
- Lexington Park Google+ Page
- Southern Maryland Law Bankruptcy Blog
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. Will I lose my home after filing chapter 7 bankruptcy if I don't owe anything on it and it's worth $65,000?
- A: Currently Virginia bankruptcy exemption. However it is my understanding that this is changing. You should consult with a bankruptcy lawyer and see what this new law will mean if it become law. You would probably still loose your house, but you could exempt more of the equity from your house. The new exemption may let you protect up to $25,000 in equity if it becomes law. It could also make it so you could pay less of your debt and still protect your house in a Chapter 13. However, with the drop in income you experienced it may be time to think of letting the house go.
- Q. What forms do I need for a chapter 7 and is there a packet
- A: You can check the bankruptcy court's website for information on the forms. Here is the website for western district. http://www.wawb.uscourts.gov/csReadyToFile They also have information on representing yourself. At the very least get a consultation with a bankruptcy lawyer. Representing yourself is difficult and can make things worse.
- Q. Can I add a cover letter with additional information for the trustee when filing my chapter 7 petition?
- A: You probably just want to send the cover letter with the document production you send the Trustee after the case is filed.
- Q. Can I file a typed cover letter with my chapter 7 petition? I would like to explain some additional items.
- A: When the case is filed a trustee is assigned. There are documents you need to provide the trustee. If you have something you want to explain that doesn't fit in the comments sections of the petition, you can send it as a cover letter with the documents.
- 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.