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Connecticut

Connecticut General Statutes § 49-24. Judicial foreclosure state.

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Judicial Type

Judicial

Redemption

By law day order: court sets a specific 'law day' when title

Deficiency

Lender may pursue deficiency. Motion for deficiency judgment

Mediation

Connecticut has one of the longest-established and most effe

Statute Citation

Conn. Gen. Stat. §§ 49-24 to 49-31t

Redemption Period

By law day order: court sets a specific 'law day' when title vests. If the borrower fails to pay by law day, title passes absolutely. No statutory post-sale redemption period — redemption runs UP TO the law day set by the court, not after.

Deficiency Judgment Rule

Lender may pursue deficiency. Motion for deficiency judgment must be filed within 30 days of law day. Court determines fair market value of property and limits deficiency to: debt + costs − FMV of property.

Notice Requirements

Strict judicial notice requirements. Complaint, summons, and lis pendens filed and served. Foreclosure by market sale: notice of sale must be published.

Mediation Program

Connecticut has one of the longest-established and most effective foreclosure mediation programs in the U.S. (Conn. Gen. Stat. § 49-31k). Mediation is available to all owner-occupied residential mortgage foreclosures.

Key Provisions

  • All foreclosures are JUDICIAL — court supervision throughout
  • Foreclosure by market sale is an alternative to strict foreclosure
  • Law day system: court sets a date the borrower must pay by; failure = automatic forfeiture
  • Mortgagee must prove its case in court — standing, default, amount due, proper notice
  • Mediation program with HUD-certified mediators

Homeowner Protections

  • Judicial foreclosure requires the lender to prove standing and default in court
  • Foreclosure mediation program is one of the oldest and strongest in the country
  • Fair market value limitation on deficiency judgments
  • Court must approve all aspects of the foreclosure — a significant check on lender overreach
  • Foreclosure by market sale (rather than strict foreclosure) is increasingly preferred by courts

Frequently Asked Questions

How does Connecticut's foreclosure mediation work?+
After the lender files a foreclosure complaint, the homeowner of owner-occupied residential property can request mediation. The program: (1) stays the foreclosure proceedings during mediation, (2) assigns a HUD-certified mediator, (3) the lender must bring a representative with authority to negotiate, (4) mediation sessions are typically held over 2-4 months, (5) the goal is a workout — modification, forbearance, short sale, or deed-in-lieu. The program has a high success rate. You MUST request mediation within 15 days of the return date on the summons — if you miss the deadline, you lose mediation rights.
What is a 'law day' in Connecticut?+
A law day is the date the court sets by which the homeowner must pay the full debt. If the homeowner pays by law day, the foreclosure is discharged and the homeowner keeps the property. If the homeowner does not pay, title passes ABSOLUTELY to the lender on that date — there is no post-law-day redemption period in Connecticut. The law day system means you have a definite date to work toward, but once that date passes without payment, you lose the property permanently with no second chance.
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