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Homeowner Frequently Asked
Questions
Revised July 13, 2009
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.
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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 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.
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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 at any Superior Court clerk’s office, Court
Service Center or online at
http://www.jud2.ct.gov/webforms/.
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.
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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.
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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?
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 Roberta Palmer at 860-263-2734, or email her at
Roberta.Palmer@jud.ct.gov.
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