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 these organizations/websites: The Connecticut Housing Finance Authority (statewide) and The ROOF Project (Greater New Haven).
Judicial Branch Foreclosure Advice Program
Volunteer attorneys are available to give advice and answer foreclosure questions at the following locations, dates and times:
- Bridgeport: Every Wednesday morning from 9:00 a.m.-11:00 a.m. at Superior Court at 1061 Main Street., Room 208
- Hartford: Every Tuesday morning from 9:00 a.m.-11:00 a.m. at Superior Court at 95 Washington Street, Room 103
- New Haven: Every Wednesday morning from 9:00 a.m.-11:00 a.m. at Superior Court at 235 Church Street, 7th Floor
- Stamford: Every Wednesday morning from 9:30 a.m.-11:30 a.m. at Superior Court at 123 Hoyt Street, Rooms 704 & 705
- Waterbury: Every Wednesday morning from 9:00 a.m.-11:00 a.m. at Superior Court 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 legal clinics.
Statewide Legal Services (SLS)
SLS provides free legal advice and referrals for callers qualifying for its services (guidelines include income limits). You can call SLS at (800) 453-3320 or (860) 344-0380. The Connecticut Fair Housing Center helps support and train SLS’s attorneys and attorneys who take on pro bono foreclosure cases from SLS.
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. It offers customized employment services, job training scholarships, financial literacy, and credit counseling. For information, call (866) 683-1682 or go to www.workplace.org/mortgage.asp.
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.