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Christopher H. McCormick

Christopher H. McCormick

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

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.
Q. Are there any kind of special taxes involved when purchasing a foreclosed property?
A: If your buying property from bank that foreclosed or entity they assigned property to the seller is responsible for all real estate taxes due up to point of sale. The sales conveyance tax in this state is paid by the seller not the buyers.
Q. For a discharged Chap 7. Do you need court approval for a mortgage loan modification?
A: The automatic stay terminated with the entry of your discharge therefore bankruptcy court approval is not necessary. This is clearly stated in Section 362(c)(2) of the Bankruptcy Code. You can try educating the lender to this fact. The problem is convincing the lender of this fact especially if your dealing directly with the bank's loss mitigation department and not their local CT counsel. Also if the lender is requesting reaffirmation of your mortgage loan as part of modification that is not possible due to fact discharge has entered.
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Contact & Map
Steier & McCormick,LLC
970 Farmington Avenue, Suite 205
West Hartford, CT 06107
Telephone: (860) 756-0387
AVON office
139 Simsbury Road
Avon, CT 06001
Telephone: (860) 677-6277
Fax: (860) 677-8831