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Foreclosure sale date set in Connecticut: what you can still do
If a Connecticut judge has ordered a foreclosure by sale, you still have options until the sale is approved, but each one needs fast action. The auction can be stopped by paying the debt, by a judge's order opening the judgment or moving the date, or by a bankruptcy filing. Start by checking that the sale is still on. If your case is a strict foreclosure with a law day instead, the law day is your hard deadline.
Reviewed against Connecticut law and official sources on October 12, 2026. General information, not legal advice.
Tell us your sale date
Free. A person replies with the options and official help that fit. Messages about a scheduled sale are answered first.
Options still open before a sale in Connecticut
Check that the sale is still on
Today, and again the week of the sale
Look up your town on the Judicial Branch's Pending Foreclosures By Sale list, and look up your docket on the court's civil case lookup. Call the committee named in the judgment. If the sale is cancelled, the committee must post a notice at the home and on the Judicial Branch website.
JD-CV-79 Standing Orders
Ask the judge to open the judgment or extend the sale date
Well before the sale; a motion denied fewer than 20 days before does not stop it
File a written motion and explain why, such as a pending modification, a refinance or a buyer. If the judge denies a motion fewer than 20 days before the sale, the sale still happens, but the judge cannot approve it until the appeal period ends.
Conn. Gen. Stat. § 49-15; Conn. Practice Book § 61-11(h)
Pay the judgment debt before the sale
Before the auction
If the debt, interest and costs are paid to the lender before the sale, all further steps in the case stop. Ask the lender's lawyer for a written payoff good through the sale date.
Conn. Gen. Stat. § 49-25
Redeem before the court approves the sale
After the auction, until the judge approves it
Connecticut lets the home be redeemed until the sale is approved. If the lender was the buyer or the home is redeemed, the lender pays the sale and appraisal costs. Get legal help, because the amount and timing must be exact.
Conn. Gen. Stat. § 49-25
Ask the lender to agree to more time
As early as possible
Send the servicer and the lender's lawyer a written request with proof of any application, refinance or buyer. They can agree to ask the court to move the date. Get any agreement in writing, and keep going until the court has changed the date.
File bankruptcy
Before the auction
A bankruptcy filing triggers the federal automatic stay. Under the standing orders, a committee that gets notice of a bankruptcy must tell the lender's lawyer right away. Talk to a bankruptcy lawyer first, because it affects all your debts.
JD-CV-79 Standing Orders
Call today, not tomorrow
With a sale on the calendar, every option above has a cutoff. A free HUD-approved housing counselor can call your servicer with you today: (800) 569-4287. For legal aid and court help, see free foreclosure help in Connecticut.
Common questions in Connecticut
Where are Connecticut foreclosure sales posted?
Committees must post court-ordered sale ads on the Judicial Branch website, which lists pending sales by town. If the court orders a newspaper ad too, it runs on 2 dates in the paper named for your judicial district. A 3 by 2 foot sign must also go up on the property 20 to 30 days before the sale, except at most condos.
What time and where is a Connecticut foreclosure auction held?
Unless the judge orders otherwise, the statewide standing orders set the sale for 12 noon at the property. The home is open for inspection from 10 a.m. to noon that day. Bidders other than the lender must bring a deposit of 10 percent of the court's value by bank or certified check.
Can I still save my home after a Connecticut auction?
Possibly, because a Connecticut sale is not final until the judge approves it. Until then, the home can be redeemed by paying the debt and costs. You can also come to the approval hearing and object if the price is far below the home's value.
Step by step
More on foreclosure in Connecticut
Understand the process
What is happening and how much time there is.
Weigh your options
What can stop it, and what happens if it goes ahead.
Get help now
Who to call, and what to do when a sale is scheduled.
- Free foreclosure help
- A sale date is set (this page)
Back to the Connecticut overview
Free, official, nationwide
Free help anywhere in the country
HUD-approved housing counselors
Free foreclosure prevention counseling from agencies approved by the U.S. Department of Housing and Urban Development. A counselor can review your budget and deal with your servicer alongside you.
(800) 569-4287CFPB: help for struggling homeowners
Plain-language guides from the Consumer Financial Protection Bureau, and a complaint form if your mortgage servicer is not following the rules.
Legal Services Corporation: find legal aid
Find the free civil legal aid office for your county if you have been served with a foreclosure lawsuit or given a sale date and cannot afford a lawyer.
Sources for this page
- Conn. Gen. Stat. chapter 896, Civil Process (§§ 52-46, 52-48)
- Connecticut Practice Book, 2026 edition (§§ 3-2, 10-8, 23-16 to 23-19, 61-11, 63-1)
- Connecticut Judicial Branch: Foreclosure by Sale Standing Orders, JD-CV-79 (Rev. 7-25)
- Connecticut Judicial Branch: Pending Foreclosures By Sale, Listed by Town
- Conn. Gen. Stat. chapter 846, Mortgages (§§ 49-14, 49-15, 49-22, 49-24 to 49-28, 49-31d to 49-31n)
- Conn. Gen. Stat. chapter 134, Connecticut Housing Finance Authority Act (§§ 8-265dd to 8-265ff)
- Conn. Gen. Stat. chapter 669, Regulated Activities (§§ 36a-671 to 36a-671b, debt negotiation)
- Connecticut Judicial Branch: Foreclosure Mediation Program
- Connecticut Judicial Branch: Foreclosure Mediation Homeowner Frequently Asked Questions
- CTLawHelp: Foreclosure, Your Rights and Options (updated May 2025)
- CHFA: Emergency Mortgage Assistance Program
- CHFA: MyHomeCT program update
- U.S. Treasury: Homeowner Assistance Fund
- Connecticut Department of Banking: Avoiding Foreclosure
- Connecticut Bar Association: Ways to Get Legal Help