In a recent opinion, the Massachusetts Supreme Judicial Court ruled that Springfield's Foreclosure Mediation program could not stand. The court said that the city's preforeclosure requirements were preempted by state law (meaning that the state of Massachusetts already has rules on foreclosure and that the city cannot implement a program that conflicts with those state rules). Several other cities in Massachusetts -- Lynn, Worcester, and Lawrence -- had implemented similar mandatory foreclosure programs. While the decision did not directly address those programs, the decision likely inalidates those programs as well.
What does this mean? If you live in Massachusetts, you no longer have a right to face-to-face mediation with the bank prior to foreclosure. To learn more about the foreclosure mediation ordinances and the Supreme Judicial Court's decision, see Special Foreclosure Rules in Lynn, Lawrence, and Springfield Massachusetts.