Connecticut
Connecticut General Statutes § 49-24. Judicial foreclosure state.
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?+
What is a 'law day' in Connecticut?+
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