P.A. 08-176 was passed by the Connecticut legislature during its 2008 session and is effective on July 1, 2008. It establishes a Foreclosure Mediation Program in actions to foreclose mortgages on residential real property. In order to qualify for this program, the borrower/homeowner must be an owner-occupant of a one-to-four family residential property. The property must be the homeowner’s primary residence and located in Connecticut. The lender must serve a Notice to Homeowner, JD-CV-94 and Foreclosure Mediation Request, JD-CV-93 form to the homeowner when it commences the foreclosure action.

If the homeowner qualifies and mediation is requested, the homeowner and lender will meet with a mediator employed by the Judicial Branch to try to reach an agreement. The mediation process shall address all issues of foreclosure, including, but not limited to, reinstatement of the mortgage, assignment of law days, assignment of sale date, restructuring of the mortgage debt and foreclosure by decree of sale. The mediators will be trained in all relevant aspects of the law, have knowledge of community-based resources and mortgage assistance programs and refer homeowners to these programs when appropriate.