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Creditor Rights In And Out Of Bankruptcy

Creditors have various rights in the bankruptcy process and in non-bankruptcy situations. To ensure that a creditor’s rights are asserted, it is important to have representation from a skilled creditors’ rights attorney. At Giddens & Gatton Law, P.C., we have significant experience representing creditors in bankruptcy and all related matters.

Our Albuquerque attorneys take a proactive approach to working with our clients. We understand that when you come to our firm you may have questions and concerns. Our lawyers make it a priority to get you the information you need to make an informed decision.

Advocating For Creditors

We advocate for creditors in a variety of bankruptcy-related matters and in non-bankruptcy situations, including matters that involve:

  • Foreclosure: This occurs when a homeowner fails to pay their mortgage and the lender repossesses the home. Following foreclosure, the lender has the right to sell the property.
  • Loan documentation: Any documents that a lender requests from a potential borrower before issuing a loan are referred to as loan documentation. Some of the most common examples include bank statements, proof of income, W-2s and credit reports.
  • Liens: A creditor can make a legal claim, called a lien, against the real estate property or other assets of a borrower as a form of collateral. For instance, if a borrower does not make their mortgage payments, the lender can execute its lien on the home.
  • Loan workouts: This is an arrangement between a creditor and a debtor that allows a debtor to avoid a default. A loan workout could involve lower monthly payments, an extended payment schedule or even the loan’s termination.

Giddens & Gatton Law, P.C., will work with you throughout the process, in or out of bankruptcy, and make sure that your rights are protected. Given our experience, we understand when to anticipate challenges and what to do to prevent complications that could prolong the bankruptcy or collection of the debt. We work in an efficient manner to reach the best possible outcome, given the circumstances of the situation.

Book A Meeting With Us

To schedule an appointment, please contact us at 505-273-3720 or online through email. Meetings can be scheduled at a time that is convenient for you. Our office is located in Albuquerque and we handle cases throughout the surrounding New Mexico areas.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.