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Homeowner Frequently Asked
Questions
1. What is the Foreclosure Mediation Program?
The Foreclosure Mediation Program has been set up to assist any
homeowner/borrower whose one-to-four 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.
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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 one-to-four family 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.
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5. How do I apply for foreclosure mediation?
The homeowner/borrower must file a Foreclosure Mediation Request
form (JD-CV-93), and an Appearance form (JD-CV-12). These forms must be
filed not more than fifteen (15) days from the return date on the
Summons unless extended by the Court. Forms are available at any
Superior Court clerk’s office, Court Service Center or online at
www.jud.ct.gov.
6. Do I need a lawyer to participate in the Foreclosure Mediation
Program?
No, you do not have to be represented by a lawyer to participate in
this program.
7. Do all borrowers who signed the mortgage need to attend the
mediation session?
Yes, all borrowers must be present at the mediation session; for
example, if a husband and wife signed the mortgage then both will need
to be present for the mediation.
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8. Am I required to participate in mediation?
No, participation is voluntary for the homeowner/borrower.
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.
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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.
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13. Does this mean I won’t lose my house due to foreclosure?
Participation in 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. Where should I direct questions about the Foreclosure Mediation
Program?
If you have questions about the Foreclosure Mediation Program,
please contact Roberta Palmer at 860-263-2734, or email her at
Roberta.Palmer@jud.ct.gov.
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