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Christopher H. McCormick

Christopher H. McCormick

Steier & McCormick, LLC
  • Bankruptcy, Real Estate Law, Foreclosure Defense
  • Connecticut
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Summary

I have more than 30 years experience as a private practice attorney. Prior to focusing on representation of debtors in bankruptcy I represented creditors for several years providing me with a different perspective that sets me apart from other bankruptcy attorneys. My other main areas of practice are real estate, foreclosure defense, probate and small business law.

Practice Areas
  • Bankruptcy
  • Real Estate Law
  • Foreclosure Defense
Fees
  • Free Consultation
  • Rates, Retainers and Additional Information
    Flat Fees and Hourly Rate
Jurisdictions Admitted to Practice
Connecticut
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Professional Experience
Partner
Steier & McCormick, LLC
- Current
Practice focussed on Chapter 7 & 13 Bankruptcy, Forecosure Defense and Workouts, Real Estate Law
Associate Attorney
Mayo Gilligan & Zito
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Practice foccused on Real Estate, Resindential and Commercial Foreclosures and Workouts, Evictions and REO Sales
Associate Attorney
Reiner & Reiner, PC
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Practice initially focussed on real estate, personal injury, general practice which shifted to primarly creditor's rights practice focussed on collections and residential foreclosures.
Associate
Gross Hyde & Williams
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Associate Attorney with mid-sized Hartford law firm rotated through several departments with broad exposure to different pracitce areas.
Education
University of Connecticut School of Law
J.D (1985) | Law
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University of Connecticut School of Law Logo
Duke University
B.A (1982) | Political Science
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Honors: Cum Laude
Activities: Ice Hockey Club Phi Kapp Sigma Fraternity
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Professional Associations
National Association of Consumer Bankruptcy Attorneys
Member
- Current
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Connecticut State Bar
Member
- Current
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Publications
Articles & Publications
Chapter 7 Consumer Bankruptcy Strategies
Aspatore Publishing
Websites & Blogs
Website
Blog
Connecticut Bankruptcy & Foreclosure Defense Blog
Legal Answers
19 Questions Answered

Q. Would 15 year period restart if ownership changes?
A: From your description it does not sound like your neighbor's use of the property was open, hostile and notorious as required by CT statute and you gave permission to your neighbor to use the land as they did. Also doe not sound like they would support a new owner's claim that this continuous usage supports a claim for adverse possession. Finally, new owner could not claim continuous usage for 15 years themselves. I do think it is important that you start exercising control of this property now that property is being sold and neighbor makes it clear to buyers it is not part of property being sold so there is no confusion post-closing as to your ownership.
Q. Schedule A/B, What do I put on current value of the entire property and current value of the portion you own?
A: Based on your question you should hire an experienced local bankruptcy attorney to file bankruptcy for you to make sure you answer all questions accurately and fully on your schedules and statements. Inaccurate and incomplete schedules may result in the dismissal of your case or lead to other problems you want to avoid.
Q. In Connecticut, Is a lien placed on real estate more than 3 years after the judgement a valid lien?
A: Yes it is a valid lien.
Q. Credit Card default fudgement in 2011. Wages garnished 18 months ago. Stat of lim is 3 yrs. Want relief
A: Since they the creditor has a judgment against your reference to a statute of limitations defense is not applicable. Other than paying off debt in full only other way to stop garnishment is to file bankruptcy preferably Chapter 7. If you want to explore your bankruptcy options I recommend you consult with a local bankruptcy attorney.
Q. I am a silent partner in an llc. I only own 1.85 percent of the business. Can I file chapter 7
A: Not clear what you are asking in relation to your interest in LLC. If your concern is whether you could exempt your interest in LLC in Chapter 7 personal filing it will depend on market value of your small interest in LLC. You should consult with a local bankruptcy attorney to review all the facts of your situation to determine if Chapter 7 is a good option for you.
Q. If someone has a student loan debt, can they take if from the person's Social Security?
A: Yes up to 15% of your social security benefit if it is a federal student loan. No if private student loan.
Q. In CT, If my second mortgage was written off as a bad debt in 2013, can the mortgage company continue charging interest?
A: Unfortunately for you yes. Charge off is a credit reporting action, but does not affect your underlying liability under the note and mortgage you signed with the creditor. A charge off combined with the release of your second mortgage would have provided you the ability to avoid the payoff of the second mortgage. In situations like this it is difficult refinance your mortgage debt since despite the charge off Bank's usually do not discount debts for refinances you can try to negotiate, but you may not be successful.
Q. What's the process for getting into some kind of mediation for a foreclosure on a rental property?
A: The foreclosure mediation program administered by the Connecticut Superior Courts is limited to owner occupied properties. For investment properties owners have to negotiate directly with lenders for loan modifications.
Q. How does one remove a 'life-use' clause from a real estate quit-claim deed?
A: Unfortunately the only way to get rid of the life use is to probate your grandmother's estate. An estate tax return reflecting the full value of the property needs to be filed with the probate court and a certificate releasing the estate tax be issued and recorded. This terminates the life use interest in the property.
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Contact & Map
Steier & McCormick,LLC
970 Farmington Avenue, Suite 205
West Hartford, CT 06107
USA
Telephone: (860) 756-0387
AVON office
139 Simsbury Road
Avon, CT 06001
USA
Telephone: (860) 677-6277
Fax: (860) 677-8831