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Connecticut · What this letter means

Connecticut foreclosure letters and notices

The papers Connecticut homeowners receive, in the order they usually arrive. Each page uses the name on the Connecticut document, explains the deadline it starts under Connecticut law, and lists what to do this week.

  1. Step 1

    Notice of intent to foreclose (EMAP notice)

    Before a Connecticut lender can start a foreclosure on a covered home loan, it must mail you this notice by registered or certified mail. It gives you 60 days from the date of the notice to meet or talk with the lender or a counseling agency and to contact the Connecticut Housing Finance Authority (CHFA) about emergency mortgage assistance. It is not a lawsuit yet.

    What it means
  2. Step 2

    Writ, Summons and Complaint, with the notice "You Are Being Sued and You Are in Danger of Losing Your Property" (JD-CV-103)

    A Connecticut foreclosure is a Superior Court lawsuit, and a state marshal serves you the writ, summons and complaint. On top must be the court's notice "You Are Being Sued and You Are in Danger of Losing Your Property." Your deadlines count from the return date on the summons, so find it first.

    What it means
  3. Step 3

    Notice to Homeowner or Religious Organization: Availability of Foreclosure Mediation (JD-CV-127)

    If you own and live in a 1 to 4 family home, this court notice explains the free Ezequiel Santiago Foreclosure Mediation Program. You must file the Foreclosure Mediation Certificate and an Appearance within 15 days after the return date. While mediation is open, no foreclosure judgment can enter.

    What it means
  4. Step 4

    Judgment of strict foreclosure and law day letter

    A judgment of strict foreclosure sets law days. If you do not pay the full debt, with costs, by your law day, title passes to the lender with no auction and no surplus. If you did not file an Appearance, the lender must mail you a letter about the judgment within 10 days.

    What it means
  5. Step 5

    Judgment of foreclosure by sale and sale date letter

    When a judge orders a foreclosure by sale, the court appoints a committee to auction the home at noon on the property on a set date. If you did not file an Appearance, the lender must mail you a letter within 10 days. The sale is not final until the court approves it, and leftover money can go to you.

    What it means
  6. Step 6

    Application and Execution for Ejectment, Mortgage Foreclosure (JD-CV-30)

    After title passes in a Connecticut foreclosure, the new owner can get an execution for ejectment from the court. A state marshal serves it, and removal cannot happen until at least 5 business days after service. Belongings left behind go to town storage and can be sold if not claimed within 15 days.

    What it means

Got a letter not listed here? See every foreclosure letter explained, or how foreclosure works in Connecticut.