Homeowners facing foreclosure who have been served a “Summons & Complaint” from their mortgage company can participate in Connecticut’s Foreclosure Mediation Program. Mediation offers a homeowner the chance to meet with a court-employed mediator and an attorney from the mortgage company to discuss possibilities for “workouts” that will help them avoid foreclosure — such as a loan modification. More information about mediation can be found in our foreclosure guide (“Represent Yourself in Foreclosure: A Guide for Connecticut Homeowners”), at our foreclosure clinics (where court-employed mediators speak), and at www.jud.ct.gov/foreclosure.
Homeowners with mortgage problems, regardless of whether their court cases have started or not, should consider working with a housing counselor. Housing counselors are experienced professionals with special access to the resources most helpful to homeowners. They are available at no cost throughout the state. The Connecticut Fair Housing Center provides expert assistance to housing counselors when complex issues arise in the course of their work. Contact information for housing counselors is available on pages 37-38 of our foreclosure guide (“Represent Yourself in Foreclosure: A Guide for Connecticut Homeowners”) and at The Connecticut Housing Finance Authority
Judicial Branch Volunteer Attorney Program
Volunteer attorneys are available to give advice and answer foreclosure questions at the following Superior Court locations, dates and times:
- Bridgeport: Every Wednesday morning from 9:00 a.m.-11:00 a.m. at 1061 Main Street., Room 208
- Hartford: Every Tuesday morning from 9:00 a.m.-11:00 a.m. at 95 Washington Street, Room 103
- New Britain: Every Wednesday morning from 9:00 a.m.-11:00 a.m. 20 Franklin Square, Room 406, 4th Floor.
- New London: Every Wednesday afternoon from 2:00 p.m.-4:00 p.m. at 70 Huntington Street, Room E-309.
- New Haven: Every Wednesday morning from 9:00 a.m.-11:00 a.m. at 235 Church Street, 7th Floor
- Stamford: Every Wednesday morning from 9:30 a.m.-11:30 a.m. at 123 Hoyt Street, Rooms 704 & 705
- Waterbury: Every Wednesday morning from 9:00 a.m.-11:00 a.m. at 300 Grand Street, Rooms 9.05 and 9.06 (2nd floor)
Homeowners facing foreclosure in any judicial district are welcome to attend. The Connecticut Fair Housing Center supports this program by recruiting and training volunteer attorneys and by providing the services of its own attorneys.
Connecticut Department of Banking’s Foreclosure Assistance Hotline
The Department of Banking runs a hotline for homeowners with questions about foreclosure. It is available Monday-Friday from 8 a.m. – 5:00 p.m. at (877) 472-8313. For more information and a comprehensive compilation of resources available to homeowners, go to www.ct.gov/dob. Department of Banking representatives participate in the Center’s foreclosure prevention clinics.
Mortgage Crisis Job Training Program
The state-funded Mortgage Crisis Job Training Program is a project of The WorkPlace, Inc., in partnership with the Connecticut Housing Finance Authority (CHFA) and Capital Workforce Partners. The Program helps homeowners increase their job skills and earning potential and helps support the Center’s foreclosure prevention clinics. It offers customized employment services, job training scholarships, financial literacy, and credit counseling. For information, call (866) 683-1682 or click on their logo.
How Foreclosure Rescue Scams Work
People in foreclosure are frequently targeted by “foreclosure rescue scams.” Be cautious of non-lawyers who ask you to pay a fee for counseling, loan modification, foreclosure prevention, or a “forensic audit” of your loan documents, whatever their promises or claims. Many out-of-state attorneys target Connecticut residents; you should never pay attorneys whom you do not meet. Contact the Department of Banking for more information at (877) 472-8313 or go to www.preventloanscams.org.