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Foreclosure Mediation Program
Homeowner Frequently Asked Questions
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¿ Qué es el Programa de Mediación en casos de Ejecución Hipotecaria ?
- What is the Foreclosure Mediation Program?
- What is mediation?
- Who are the mediators?
- How do I qualify for foreclosure mediation?
- What do I have to do to take part in the Foreclosure Mediation Program?
- Do I need a lawyer to take part in the Foreclosure Mediation Program?
- Do all borrowers who signed the mortgage have to attend the mediation session?
- Am I required to take part in mediation?
- Is there an application fee?
- Is the mediation confidential?
- What do I need to bring to the mediation session?
- Where will the mediation sessions be held?
- Does this mean I won’t lose my house due to foreclosure?
- Who should I contact if I have more questions about the Foreclosure Mediation Program?
1. What is the Foreclosure Mediation Program?
The Foreclosure Mediation Program has been set up to assist any homeowner/borrower whose 1, 2, 3 or 4 family owner-occupied residential property is the subject of a mortgage foreclosure action. The property must be located in the state of Connecticut and be the homeowner’s primary residence. The homeowner will meet with a mediator and the lender to try and reach an agreement. 2. What is mediation?
Mediation is a process by which a neutral third party (mediator) assists the homeowner and lender in reaching a fair, voluntary, negotiated agreement. The mediator does not decide who is right or wrong.
3. Who are the Mediators?
The foreclosure mediators are Judicial Branch employees who are trained in mediation and foreclosure law. The mediators have knowledge of different community-based resources and mortgage assistance programs.
4. How do I qualify for foreclosure mediation?
The 1, 2, 3 or 4 family owner-occupied, residential property that is being foreclosed must be the primary residence of the homeowner, and the homeowner must be the borrower. The mortgage foreclosure action must have a return date on or after July 1, 2008. 5. What do I have to do to take part in the Foreclosure Mediation Program?
The homeowner/borrower must file a Foreclosure Mediation Certificate form (JD-CV-108), and an Appearance form (JD-CL-12). These forms must be filed not more than fifteen (15) days from the return date on the Summons. Forms are available online, at any Superior Court clerk’s office or Court Service Center.
6. Do I need a lawyer to take part in the Foreclosure Mediation Program?
No, you do not have to be represented by a lawyer to take part in this program.
7. Do all borrowers who signed the mortgage have to attend the mediation session?
Yes, all borrowers must come to the mediation session; for example, if a husband and wife signed the mortgage then both will have to come to the mediation. 8. Am I required to take part in mediation?
Yes, taking part in mediation is required for all eligible homeowners who file an appearance.
9. Is there an application fee?
There is no application fee for this program.
10. Is the mediation confidential?
Yes, any discussions in the mediation are confidential. 11. What do I need to bring to the mediation session?
- Proof of income, if employed; for example, a current pay stub;
- List of expenses;
- Copies of any completed application(s) for mortgage or financial assistance; and
- Any other information that may be helpful.
12. Where will the mediation sessions be held?
The mediation session(s) will be held at courthouses located throughout the State.
13. Does this mean I won’t lose my house due to foreclosure?
The Foreclosure Mediation Program does not stop or suspend the foreclosure. The homeowner is still obligated to respond to the foreclosure action and may still be at risk of losing their property to foreclosure.
14. Who should I contact if I have more questions about the Foreclosure Mediation Program?
If you have questions about the Foreclosure Mediation Program, please contact Nancy McGann at 860-263-2734 ext. 3067, or email her at Nancy.McGann@jud.ct.gov.