You probably don’t need to hire a lawyer. Most people in foreclosure handle their cases without one.
Foreclosure starts when a marshal serves you these papers:
- Complaint, and
- Mediation Certificate.
Fill out and file court forms
You must give your forms to the court and to everyone in your case within 15 days of the Return Date. You can find the Return Date in the upper right-hand corner of the Summonsform. You don't have to go to court on the Return Date.
If you don’t file your forms on time, you may not be able to fight the foreclosure or participate in mediation. If you miss any deadlines, contact the court clerk right away. If you don’t live in Connecticut, talk to a lawyer before you file any forms.
Everyone facing foreclosure must file an Appearance. The Appearance form tells the court your name, address, and that you are representing yourself in the foreclosure. You must file this form with the court within 15 days of the Return Date. Once you give the court your Appearance, you will get notice of everything that happens in your case. Get the form from the court clerk or online at https://www.jud.ct.gov/webforms/forms/cl012.pdf.
Mediation Certificate (JD-CV-108)
Mediation is a free program that can help you work out an agreement with your lender. You must go to mediation if you live in and own a home that houses up to four families. You can get the Mediation Certificate attached to the foreclosure papers, from the court clerk, or online at https://www.jud.ct.gov/webforms/forms/CV108.pdf.
Most people in foreclosure don’t have to file an Answer. You should only file one if you have a defense to the foreclosure, meaning you think there is a good reason why your house should not be in foreclosure (for example, the mortgage company didn’t credit your account with payments that you made, or it didn’t follow an agreement it made with you). Try to talk to a lawyer before you file an Answer.
Read everything in the Complaint very carefully before you fill out the Answer form. You will need to check Agree, Disagree, or Do Not Know for each paragraph in the Complaint. If you don’t understand a paragraph, check Do Not Know. Use the Special Defenses section to explain why the court should let you keep your home.
Get an Answer form from the court clerk or online at https://www.jud.ct.gov/webforms/forms/CV106.pdf.