How long does foreclosure take in Connecticut?

The foreclosure timeline in Connecticut, phase by phase

1. Missed payments and the 60-day notice

   Day 1 to about day 120

   After the federal 120-day wait, the lender can start the case if it has mailed the 60-day notice. Applying for help in writing during this period gives you the most room.

   Conn. Gen. Stat. § 8-265ee

2. Service and the return date

   Served at least 12 days before a return date; return date no more than 2 months after the writ is signed

   The return date falls on a Tuesday. Your mediation request is due 15 days after the return date. A request for protection as an unemployed or underemployed homeowner is due 25 days after the return date.

   Conn. Gen. Stat. §§ 52-46, 52-48, 49-31e, 49-31l(c)

3. Premediation with a court mediator

   About day 35 to day 84 after the return date

   The lender's package is due by day 35. The first meeting with the mediator is set for about day 49. The mediator must send your finished paperwork to the lender by day 84, unless a judge extends that date.

   Conn. Gen. Stat. § 49-31l(d)

4. Mediation sessions with the lender

   Ends at the third session or 7 months after the return date, whichever is first

   A judge can extend or shorten this period. For up to 8 months after the return date, most motions in the case are on hold. You may still file an answer, special defenses or counterclaims.

   Conn. Gen. Stat. §§ 49-31n(a), 49-31l(f)

5. Judgment

   After mediation ends, plus 15 days if it ends before 8 months

   The lender can then file a motion for default and a motion for judgment together. You can come to the hearing and ask the judge for more time when the law day or sale date is set.

   Conn. Gen. Stat. § 49-31l(f), (g)

6. Appeal period and the law day or sale

   20 days to appeal; then the law day or sale date

   Steps to enforce a judgment are automatically on hold until the 20-day appeal period runs out. For a sale, the committee cannot spend money until 45 days before the sale, and a sign goes up on the home 20 to 30 days before the sale.

   Conn. Practice Book §§ 61-11(a), 63-1; JD-CV-79 Standing Orders

7. After title passes

   At least 5 business days after an execution of ejectment is served

   In a strict foreclosure, the stay on ejectment ends the day after the last law day. After a sale, the buyer must close 21 to 30 days after the court approves the sale. An ejectment order can issue only after the appeal period for that approval has passed.

   Conn. Gen. Stat. §§ 49-22, 49-26; Conn. Practice Book § 23-17(b)

Connecticut deadlines written into the law

Your own dates are on the notices you received. If a notice and this page disagree, trust the notice and ask a counselor or lawyer.

Common questions in Connecticut