Summary of Connecticut's Foreclosure Laws

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If you are facing foreclosure in Connecticut, it’s important to understand some of the basics, including:

  • the most common type of foreclosure procedure (judicial v. nonjudicial) used in Connecticut
  • how much time you have to respond
  • your rights and protections in the process, and
  • what happens afterwards (for example, whether you’ll be liable for a deficiency judgment).

 Below we have outlined some of the most important features of Connecticut foreclosure law. Keep in mind that this is just a summary; we’ve included statute citations so you can get more details from the laws themselves. And be sure to check out Nolo’s extensive Foreclosure section, where you can find information about all aspects of foreclosure, definitions of foreclosure terms (like redemption and reinstatement), and options to avoid foreclosure.

Topic

State Rule

Most common type of foreclosure process

Judicial (foreclosure by sale) or strict foreclosure in which court transfers title directly to foreclosing party without ordering a sale.

Time to respond

After the foreclosing party files the foreclosure lawsuit, homeowner has 15 days to file an answer.

Reinstatement of loan before sale

Not available (except as required by the terms of the mortgage)

Redemption after sale

Up until court confirms sale or until the "Law Day" in a strict foreclosure.

Special protections for foreclosures involving high-cost mortgages

No laws regarding high-cost mortgages. But certain homeowners who are underemployed or unemployed can ask the court for protection from foreclosure and modification of mortgage terms to give relief from paying arrearages.

Special state protections for service members

None

Deficiency judgments

May be obtained in a foreclosure by sale, and within 30 days after the redemption period expires in a strict foreclosure.

Cash exempted in bankruptcy

About $12,725 for one person, $25,450 for a married couple under federal bankruptcy exemptions. Any interest of the exemptioner in any property up to $1,000 under state bankruptcy exemptions.

Notice to leave after house is sold

Former owner will be required to move out after the sale under an order of ejectment issued by the court. Check with the marshal to see how much time you have to move out.

Foreclosure statutes

Conn. Gen. Stat. §§ 49-1 to 49-31i

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