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Valencia Attorney for Lien Stripping

What Is Lien Stripping?

A lien is a legal claim to a piece of property, or a hold on that property. If you possess a junior lien in the form of a second or third mortgage on a home, and are filing for Chapter 13 bankruptcy, then you may be able to "strip," that lien in the course of your bankruptcy proceedings. This is especially beneficial in situations where the balance owed to the primary lienholder (as in a first mortgage) exceeds the current value of the home. By stripping off this lien, which is treated as an unsecured claim, you may be able to eradicate debt in order for you to more easily pay back your existing debt as part of your Chapter 13 payment plan. In essence, lien stripping turns what was secured debt (which must be paid in full in order to keep a property) into unsecured debt, and it will be treated the same as a credit card or unsecured loan in your Chapter 13 case.

If you are interested in obtaining further information on the stripping of property liens, such as lines of credit, or a second or third mortgage, it is recommended that you contact a Valencia debt settlement lawyer who can provide you with immediate help.

Lien Stripping Help From a Valencia Bankruptcy Attorney

The attorney team at RJB Law Offices is intimately familiar with all aspects of the bankruptcy process, including the nuances of Chapter 7 and Chapter 13 cases. We are available to assist you if you are intent on stripping a property lien in the course of your bankruptcy proceedings. Contact our offices today, and we will work towards making your Chapter 13 filing as efficient and beneficial to you as possible.

Contact a Valencia Lien Stripping Attorney for information regarding the elimination of a junior lien in your Chapter 13 bankruptcy proceedings.

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