|   Forgot username?   |   Forgot password?   |   New User?
Home Learning Center Data Feed Services Branding Services FAQs about us
Skip Navigation LinksHome > Learning Center Home > State Foreclosure Laws and Process
Attorney/Trustee File Number
  
ZIP Code
 
Property Address
 
Sale Date
 
Advanced Search
Alaska
Arizona
California
Hawaii
Idaho
Montana
Nevada
Oregon
Tennessee
Washington
State Foreclosure Laws and Process
Alabama

Alaska

Arizona

Arkansas

California

Colorado

Connecticut

Delaware

District of Columbia

Florida

Georgia

Hawaii

Idaho

Illinois

Indiana

Iowa

Kansas

Kentucky

Louisiana

Maine

Maryland

Massachusetts

Michigan

Minnesota

Mississippi

Missouri

Montana

Nebraska

Nevada

New Hampshire

New Jersey

New Mexico

New York

North Carolina

North Dakota

Ohio

Oklahoma

Oregon

Pennsylvania

Rhode Island

South Carolina

South Dakota

Tennessee

Texas

Utah

Vermont

Virginia

Washington

West Virginia

Wisconsin

Wyoming

Connecticut
Foreclosure Posting Requirements
All foreclosures are Judicial. Once a complaint is filed, a court hearing is set approx. two (2) weeks from the filing and service of the complaint (This hearing is known as the ‘’Return Date’’). At the hearing, the Court will determine the amount of the debt, the value of the property, the existence of a default, and whether foreclosure should be a ‘‘strict foreclosure’‘ or a ‘‘foreclosure by power of sale’‘. Under a strict foreclosure (normally used when no equity exists), property vests in the lender. Under a foreclosure by power of sale, the Court orders and auction of the property. The mortgagor has three primary methods of avoiding foreclosure. First, the mortgagor can redeem the mortgage by paying the full amount due prior to completion of the process. Second, the mortgagor can demand mediation with the lender, to be completed no later than sixty (60) days from the Return Date. Mediation must be requested within fifteen (15) to twenty-five (25) days of the Return Date. The lender is under no obligation to modify the mortgage in mediation. Third, the certain mortgagors can request Court Restructuring of the mortgage, whereby, the mortgagor can pay a percentage of income to the lender for six months, after which time, the remainder of any default is capitalized into the mortgage. Restructuring must be requested within twenty-five (25) days of the Return Date. The Court must determine eligibility for Restructuring. Junior liens are only extinguished if they are included in the complaint and properly served. Deficiency Judgments are allowed with time limits.
Foreclosure Auction Locations
Most states direct the specific location where a sheriff, trustee or creditor may conduct a foreclosure sale. Often the direction is as vague as 'any public place within the county in which the property is located.' Other times, the statute requires that a foreclosure sale only be held at the site of the property to be foreclosed. Foreclosure sales can be conducted at public auction held at the front door of a courthouse of the superior court in the judicial district where the property is located, unless the deed of trust specifically provides that the sale shall be held in a different place.
Foreclosure Timeline
Timeline StepDays for StepTotal Days
Complaint is filed and served (minimum time for service)11
Return date (normally)1415
Deadline for mediation request15-2530-40
Deadline for Restructuring request2540
Issuance of strict foreclosure if no mediate/restructuring141
End of mediation6090-100
Issuance of strict foreclosure after mediation191-101
Sale on Power of SaleDiscretion of court 

(Timeline is for non-judicial foreclosures. Intervals are optimal and assumes no delays.)
State Statutes
Connecticut Foreclosure Statutes