Copyright © 2002-2011, Judicial Branch, State of Connecticut. All rights reserved.
2011 Edition
Foreclosure of Mortgagesin Connecticut
A Guide to Resources in the Law Library
“In Connecticut, a mortgagee [creditor] has legal title to the mortgaged property and themortgagor [debtor] has equitable title, also called the equity of redemption.”Barclays Bank of New York v. Ivler , 20 Conn. App. 163, 166, 565 A.2d 252, 253 (1989).
“Connecticut is considered a ‘title theory’ state wherein the mortgagor [debtor] pledges propertyto the mortgagee [creditor] as security for a debt and conveys ‘legal title’ to the mortgaged premises; the mortgagor retains ‘equitable title’ or the ‘equity of redemption’….The equity of redemption permits the mortgagor to regain legal title to the mortgaged property upon satisfyingthe conditions of the mortgage, which usually entails the payment of the mortgage debt in full."In Re Fitzgerald, 237 B.R. 252, 261 (Bkrtcy. D.Conn. 1999).
“Generally, foreclosure means to cut off the equity of redemption, the equitable owner’s right toredeem the property.”Madison Hills Ltd. Partnership II v. Madison Hills, Inc., 35 Conn. App.81, 90, 644 A.2d 363, 369 (1994).
“Foreclosure is peculiarly an equitable action, and the court may entertain such questions as arenecessary to be determined in order that complete justice may be done.”Hartford FederalSavings & Loan Assn. v. Lenczyk , 153 Conn. 457, 463, 217 A.2d 694, 697 (1966).
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Table of Contents
Table 1: Resources on the Internet: Homeowner’s Options for Avoiding Foreclosure................................4
Section 1: Strict Foreclosure in Connecticut....................................................................................................5
Figure 1: Motion for Judgment of Strict Foreclosure...................................................................................9
Section 2: Foreclosure by Sale.........................................................................................................................10
Figure 2: Motion for Foreclosure by Sale...................................................................................................14
Figure 3: Motion for Judgment of Foreclosure by Sale..............................................................................15
Section 3: Connecticut’s Emergency Mortgage Assistance Act.................................................................17
Section 4: Mediation......................................................................................................................................20
Section 5: Application for Protection from Foreclosure............................................................................30
Table 2: Unreported Connecticut Cases: Application for Protection from Foreclosure.............................34
Figure 4: Application for Protection from Foreclosure..............................................................................37
Figure 5: Objection to Application for Protection from Foreclosure..........................................................40
Section 6: Defenses to Foreclosure...............................................................................................................42
Figure 6: Special Defense and Counterclaim to Foreclosure......................................................................48
Table 3: LaSalle National Bank v. Freshfield Meadows, LLC...................................................................49
Table 4: Disclosure of Defense...................................................................................................................51
Section 7: Redemption in Foreclosure............................................................................................................53
Table 5: Reinstatement...............................................................................................................................57
Section 8: Motion to Open Judgment of Foreclosure................................................................................58
Table 6: Unreported Connecticut Cases: Motion to Open Judgment of Foreclosure, prior to 10/1/09 (seeCGS 49-15, 2011 edition)...........................................................................................................................64
Figure 7: Motion to Open and Modify Judgment of Strict Foreclosure.....................................................66
Figure 8: Motion to Set New Law Day......................................................................................................70
Section 9: Appeals and Foreclosure.............................................................................................................72
Section 10: Bankruptcy and Foreclosure.....................................................................................................74
Figure 9: Claim for Statutory Stay by Reason of Bankruptcy....................................................................78
Figure 10: Notice of Relief from Stay from Bankruptcy Court..................................................................80
Section 11: Deficiency Judgment.....................................................................................................................81
Table 7: Defenses to a Deficiency..............................................................................................................86
Table 8: Deed in Lieu of Foreclosure.........................................................................................................88
Section 12: Execution of Ejectment..............................................................................................................89
Section 13: Tenant Issues in Foreclosure.....................................................................................................92
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These guides are provided with the understanding that they represent
only a beginning to research.View our other pathfinders at
http://www.jud.ct.gov/lawlib/selfguides.htm#Pathfinders
This guide links to advance release slip opinions on the Connecticut Judicial Branchwebsite and to case law hosted on Google Scholar.The online versions are for informational purposes only.
ACKNOWLEDGMENT:
The grateful assistance of Douglas J. Apicella while he was an intern at theLaw Library at Middletown.Foreclosure-3
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