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STEPHEN B. AWALT is a partner with Kearney, Drechsler & Awalt, LLC, where his main practice areas include business law, health care law and labor and employment law. Mr. Awalt is a member of the Baltimore County Bar Association (Bench-Bar Committee and Fee Arbitration Committee), Maryland State Bar Association (health care section), Attorney Grievance Commission of Maryland (panel chair, inquiry panel) and American Health Law Attorneys. He is admitted to practice in Maryland and before the U.S. District Court, District of Maryland. Mr. Awalt was previously an adjunct faculty member for Stevenson University. He is a panel volunteer for Maryland Lawyers for the Arts and a Pro Bono Advocate with the Maryland Disability Law Center. Mr. Awalt has done extensive collections for a number of Maryland businesses in both the District and Circuit courts. He earned his B.A. degree, cum laude, from McDaniel College/Western Maryland College and his J.D. degree from the University of Baltimore. EDWARD J. HAGAN practices in the fields of commercial and retail law with an emphasis on creditors' rights litigation. Mr. Hagan was formerly employed by the District Court of Maryland for Allegany County for two and one-half years, where he worked closely with several judges and inaugurated the use of mediation-facilitation methods for small claims and interpersonal disputes. A chartered financial analyst, he was a portfolio manager for high yield corporate credits and special situation equity, and has significant experience in the management of institutional investment operations. Mr. Hagan is a frequent lecturer in his area of expertise and also has been a contributor to the Western Maryland Law Journal, writing on the history and policy of Maryland interspousal tort immunity (abolished 2004) and Maryland protective orders, as well as two recent biographies of President Lincoln. He earned his B.A. degree from the University of Pennsylvania, his M.B.A. degree from Columbia Business School and his J.D. degree from Catholic University of America. DENNIS W. KING is a partner in the Baltimore law firm of Danoff & King, P.A., where since 1981, Mr. King's practice has been devoted to collections, bankruptcy law and foreclosure. He has lectured on collection, foreclosures and the Fair Debt Collection Practices Act. Mr. King earned his B.A. degree, magna cum laude, from Loyola College and his J.D. degree, with honors, from the University of Maryland. He is a member of the Business Law Section of the Maryland State Bar Association, Inc. and the Maryland Bankruptcy Bar Association. WILLIAM M. RUDOW represents lenders in all matters relating to fraud recovery, consumer and commercial finance transactions; loan documentation; collection restructuring; workouts; and bankruptcy and the enforcement of creditors' rights and remedies. His areas of practice include banking and lending law, creditors' rights in bankruptcy, commercial law, contract law and civil litigation. Mr. Rudow has performed bank collections' rights since 1985. He was in-house at Commercial Credit Corporation and Maryland National Bank (purchased by the Bank of America) the largest financial institution in Maryland before interstate banking. In 1985, the U.C.C. Law Journal published Mr. Rudow's article called "Determining the Commercial Reasonableness of the Sale of Repossessed Collateral." He founded the law firm, William M. Rudow, LLC, in 1991 and has effectively performed his present role of outside counsel to such major financial institutions as the Bank of America and community banks like the Bank of Glen Burnie since that time. He has assisted them primarily in fraud recovery, bankruptcy, consumer collections and regulatory issues. Mr. Rudow assists the FDIC in mortgage loan fraud recovery. Mr. Rudow assisted several teams of FBI agents investigate mortgage loan fraud cases. He also assisted several assistant United States attorneys in preparing mortgage fraud cases for prosecution and criminal sentencing hearings. Mr. Rudow presented Mortgage Loan Fraud Prevention seminars nationwide for Certified Professional Consultants, LLC. Mr. Rudow has been a member of the Bankruptcy Bar Association for the District of Maryland for more than ten years. He is an active member of the International Association of Financial Crimes Investigators Mortgage Loan Fraud Task Force. He also is a member of the Commercial Law League, and is qualified and licensed to practice before the Maryland and Washington, D.C. courts and the U.S. federal courts, for the District of Maryland, including the Northern and Southern Districts of the U.S. Bankruptcy Court. Mr. Rudow earned his B.A. degree from the University of Maryland and his J.D. degree from the University of Baltimore.
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