_.-..-._._——_____—__———_..—.—-_—.__.--__,-.‘_4...-...
`
`JD—CV-103 Rev. 709
`
`YOU ARE BEING SUED
`
`AND YOU ARE IN DANGER OF LOSING YOUR PROPERTY
`
`
`
`The Connecticut Superior Court requires that this notice be sent to you about the residential foreclosure process.
`This is not legal advice. Please read it carefully.
`
`It is important that you learn about your options in foreclosure. There are government agencies. legal aid
`programs and other non-profit organizations that you may call for information about foreclosure.
`
`To protect your rights. you should speak to an attorney or go to the foreclosure clerk. foreclosure caseflow
`coordinator or Court Service Center in the Court where your case was filed for information on what to do next.
`
`If you do not take action, you could lose your property.
`
`if you do not file an Appearance form with the Court. you will not get important notices about your case
`AND the Court may make a declslon (enter a default judgment) against you. File the Appearance form at the
`Court where your case is pending.
`
`You should also work with your lender or other person bringing this lawsuit or, if this foreclosure involves your
`home, to contact a HUD-certified housing counselor during this process.
`
`If this foreclosure involves your home, you may be eligible for the Foreclosure
`
`Mediation program. Information about the program ls attached to these papers
`and is also available at any Superior Court Judicial District courthouse or on the
`court's website at www.jud.ct.gov. To locate assistance near you. you may call
`the Connecticut Housing Finance Authority's
`call
`center
`toll
`free
`at
`
`through Friday from 8:30 am. to 5:00 pm. You may also call 2-1-1 for other help.
`
`1-877-571-2432. Customer Service Representatives are available Monday
`
`PROCEED WITH CAUTION
`
`You may be contacted by people offering to help you avoid foreclosure. Please follow these precautions:
`
`‘I.
`2.
`
`3.
`
`Get legal advice before entering into any deal involving your house.
`
`. Get legal advice before paying any money to anyone offering to help you avoid foreclosure.
`Do not sign any papers you do not understand.
`
`READ THE PAPERS UNDER THIS NOTICE
`
`

`

`
`
`FORECLOSURE MEDIATION
`NOTICE TO HOMEOWNER OR
`RELIGIOUS ORGANIZATION
`(For cases with a Return Date of
`10I1I2011 or later)
`JD-CV-127 Rev. 7-15
`C.G.S. §§ 49-31]. 49-31k1PA 15-124
`
`STATE OF CONNECTICUT
`SUPERIOR COURT
`JUDICIAL BRANCH
`
`www.1ud.ct.gov
`
`ADA NOTICE
`The Judicial Branch of the State of Connecticut complies with the
`Americans with Disabilities Act (ADA). If you need a reasonable
`accommodation in accordance with the ADA. contact a court clerk
`
`or an ADA contact person listed at www.jud.ct.gov/ADA.
`
`m
`
`[magnum]
`
`Notice to Homeowner or Religious Organization:
`Availability of Foreclosure Mediation
`
`You have been served with a foreclosure complaint that could cause you to lose your
`
`property.
`
`A Foreclosure Mediation Program has been set up to help certain homeowners and
`religious organizations.
`
`You must fill out the attached Foreclosure Mediation Certificate form, JD-CV-108 and
`Appearance form, J D-CL-12 and file them with the Court no later than 15 days from the
`Return Date on the Summons form that was served on you (or delivered to you). If these
`forms are not attached, you may get them at any Judicial District courthouse or from the
`Judicial Branch website at www,iud.ct.govMeQiguns.
`
`A mediation may be scheduled if:
`
`1. You are the owner-occupant of a 1, 2, 3 or 4 family residential property; and
`
`c you are a borrower or a spouse or former spouse of a borrower who qualifies
`as a Permitted Successor-in-lnterest (see Foreclosure Mediation Certificate.
`form JD-CV-108, to determine if you qualify as a Permitted Successor-in-lnterest);
`and
`‘
`
`o the mortgage on your owner—occupied residential property is being
`foreclosed; and
`
`o the property being foreclosed is your primary residence; and
`
`o
`
`the property is located in Connecticut; or
`
`the property is owned by a religious organization that is the borrower, and is
`located in Connecticut.
`5;
`
`If ydu are eligible based on the above criteria, you will first meet with a mediator who
`will determine if mediation with your lender or mortgage servicer will be scheduled.
`
`2.
`
`3.
`
`Mediation is where a person who does not take sides helps parties try to settle their case.
`
`Judicial Branch mediators will conduct mediation sessions at the courthouse.
`
`There is no application fee for this program.
`
`

`

`FORECLOSURE MEDIATION
`CERTIFICATE
`JD<CV-108 Rev. 7.15
`(3.6.3. §§ 49—31k. 49-31}; PA. 15-124
`Instructions to Homeowner Applicant
`1. Use this term it the return date in your case is on or after July 1 . 2009.
`2. Fill out this Certificate form and an Appearance form. JD—CL-12 (available at the courthouse or online atWit!)
`and file them with the court not more than 15 days after the return date on the Summons.
`3. You must mall or deliver a copy of this completed Certificate form to the plaintiffs attorney. or to the plaintitt if the plaintiff
`Is not represented by an altomey. and to all parties who have tiled an appearance in the case.
`This form will be used to determine your eligibility for the Foreclosure Mediation Program.
`
`STATE OF CONNECTICUT
`SUPERIOR COURT
`JUDICIAL Birgit:
`
`.
`
`'
`
`
`Type or Print Leglbly
`
`
`
`Name of case (Plaintiff on Summons vs. Defendant on Summons)
`Docket number (To be titled in by court start)
`
`
`
`
`Retum data (On upper rightportion ofSummons)
`
`Judicial District of (On upper lett portion ofSummons)
`
`
`
` Your name
`
` Address (Number, street town, stain. zip code)
`
`W T
`
`elephone number
`)
`
`(
`
`Business phone
`t
`i
`
`Cell phone
`(
`)
`
`i
`;
`I
`!
`i
`;l
`i
`
`l l l i|I l
`
`I ii ii i!
`
`c .
`
`i
`
`§
`
`A.
`
`If you are an Individual, answer the following questions:
`[:1 No
`I] Yes
`1. Do you own the property?
`|:] No
`D Yes
`2. Do you live in the property?
`I] No
`[1 Yes
`3. Is it your primary residence?
`El No
`I] Yes
`4. Is it a 1, 2, 3 or 4 family residential property located in Connecticut?
`E] No
`[:I Yes
`5. Is this a mortgage foreclosure?
`E] No
`|:| Yes
`6. Are you a borrower on the note?
`Ifyou are not a borrowor on the note, but answered 'yas" to questions one (1) through five (5) and you are the spouse
`or former spouse of a borrower; go to Section C, on Page 2.
`
`Ifyou answered “yes" to questions one (1) through six (6) and another defendant in this case has requested or may
`request in Section C to participate in the Foreclosure Mediation Program as a Permitted Successor-in- Interest, who
`became the owner of the property as a result of divorce, legal separation, or a property settlement agreement related to
`a divorce or legal separation, go to Section D. 1.
`
`OR
`
`B.
`
`If you are filing this on behalf of a religious organization, answer the following questions:
`1. Does a religious organization own the property?
`E] Yes
`|:] No
`2. Is the property located in Connecticut?
`|:| Yes.
`|:] No
`3. Is the religious organization the borrower on the note?
`[:I Yes
`|:| No
`4. Is the return date in the case on or after October 1. 2011?
`I] Yes
`[:1 No
`
`.
`
`'
`
`. ‘
`
`.
`
`ADA NOTICE
`of
`the State
`Judicial Branch
`of
`The
`Connecticut complies with the Americans with
`Disabilities Act
`(ADA).
`If you need a
`reasonable accommodation in
`accordance
`with the ADA. contact a court clerk or an ADA
`
`contact person listed at wwaud.chov/ADA.
`
`Continued on next page...
`
`Page 1 of 2
`
`
`
`

`

`
`
`C. Permitted Successors-in-Interest
`
`If you are not a borrower on the note. but answered “yes” to questions one (1) through five (5) in Section A
`and you are the spouse or former spouse of a borrower. you may be able to participate in the Foreclosure
`Mediation Program as a Permitted Successor-in-lnterest. Answer the following questions to help the Court
`determine if you qualify:
`
`[:| No
`E] Yes
`1. Are you a defendant in this case?
`|:| No
`D Yes
`2. Is the relum date in this case on or after October 1. 2015?
`3. If you answered “yes" to one (1) and two (2). how did you become the owner of the property?
`(check the box that applies to you. if any)
`1:] 3a. I became the only owner of the property when it was transferred to me from my deceased spouse's estate.
`[:1 3b. I became the only owner of the property because my deceased spouse and I held joint title to the property.
`[1 3c. I became the owner of the property bewuse It was transferred to me as a result of a divorce. legal
`separation. or a property settlement agreement related to a divorce or legal separation.
`Ifyou checked 3c, 90 to Section 0.2 and Section D. 3.
`
`D. Consents
`
`If a Permitted Successor-ln-lnterest. who became the owner of the property as a result of divorce, legal
`separation. or a property settlement agreement related to a divorce or legal separation, has applied or may
`apply for the Foreclosure Mediation Program, you must complete this section to qualify for the Foreclosure
`Mediation Program: (check only the box{es) that apply)
`
`1.
`
`2.
`
`3.
`
`If you answered “yes“ to questions one (1) through six (6) in Section A and another defendant has
`requested or may request to participate in the Foreclosure Mediation Program as a Permitted Successor-im
`Interest. who became the owner of the property as a result of divorce. legal separation, or a property
`settlement agreement related to a divorce or legal separation, check this box to complete your consent:
`D I consent to the plaintiff mortgagee‘s disclosure of my non-public personal financial Information to the
`spouse or former spouse who qualifies as a Permitted Successor-in-Interest to the extent that the
`plaintiff mortgagee has that information.
`If you answered "yes" to questions one (1) and two (2) in Section C. and checked box 3c.. check this box to
`complete your consent:
`D | consent to the plaintiff mortgagee's disclosure of my non-public personal financial information to all
`borrowers on this note, to the extent that the plaintiff mortgagee has that information.
`If you answered “yes' to questions one (1) and two (2) in Section C, and checked box So. check this box to
`certify that all borrowers on the note have provided their consent:
`[:1 I certify that all borrowers on the note have agreed to allow the plaintiff mortgagee to disclose their non-
`public personal financial information to me, to the extent that the plaintiff mortgagee has that
`inforrnaiion. and that the borrowers have shown their consent by (check any box that applies):
`El Submitting a Foreclosure Mediation Certifiwte containing their consent. or
`E] Giving documentation to the plaintiff mortgagee that allows for the full disclosure of the borrower‘s
`non-public personal financial information to me.
`
`Signad
`
`Print name of person signing
`
`Date signed
`
`
`
`._"_—_——_______._______—_—_~_-______...____vAA....
`
`Certification
`
`I certify that a copy of this document was or will immediately be mailed or delivered electronically or non-electronically on
`(date)
`>
`to all attorneys and self-represented parties of record and that written consent for electronic delivery
`
`was received from all attorneys and self-represented parties of record who were or will immediately be electronically served.
`Name and address 0' each party and attorney that copy was or will immediately be mailed or delivered to'
`
`
`
`'Ii necessary. attach additional sheet or sheets with name and address which the copy was or will immediately be mailed or delivered to.
`Signed {Signamre afflict)
`Print or type name of person signing
`Date signed
`
`
`
`
`ailing address (Number, street, town. state and zip code)
`
`
`
`
`
`
`Telephone number
`
`> M
`
`Page 2 of 2
`
`

`

`
`
`pchgéfiglCE
`
`“3- 55 3” "W 345- 35- "“1 25“
`
`SEAJE§£|gfiqggcJE¥T
`..,W..,_jud_ct.gov
`
`Instructions —- See Back/Page 2
`ADA Notice — See Back/Page 2
`
`Notice To Self-Represented Parties
`A selflropresented party is a person who represents himself or herself. Ifyou are a sell-
`represented party and you filed an appearance before and you have since changed your address.
`you must let the court and all attorneys and self-represented parties of record know that you have
`changed your address by checking the box below:
`
`
`
`[I I am filing this appearance to let the court and all attorneys and self-represented
`
`
`
`
`. arties of record know that I have chan - ed m address. M new address is below.
`
`Name Of case {Full name of Plaintiff vs. Full name at Dolundant)
`
`Geographic
`Small
`Judiml Housing
`Distria
`Session Claim Noe number
`Sd’ledulod Court date (Criminal/Motor Vehicle Matters)
`
`Ad toss of Court (Number, street. town and zip code)
`
`Please Enter the Appearance of
`Name at sell-represented potty {See Notice to Sefiflopmsonted Partrbs'ot top), or name a! official. firm. professional corporation. or individual
`attorney
`
`.Iuris numberetattomoyortirm
`
`
`
`
`
`
`
`
`
`
`Telephone number (Area code first)
`
`
`Mailing Address marrow. mmmMpwmm-mmmaurommmmwmwmm Postoflbo box
`met!» one mgtstcrudoraflfliorod wttlr ycurjm'e number. Maladdross cannot be changedln this lorm.)
`
`
`
`Fax number (Area code first) E-moll address
`
`in the case named above for. ("x" one of the following parties; it this is a Family Matters case. also indicate the scope ofyour appearance)
`
`I] The Plaintiff (includes the person suing another person).
`E] All Plaintiffs.
`E] The following Plaintiff(s) only:
`[3 The Defendant (includes the person being sued or charged with a crime).
`I] The Defendant for the purpose of the bail hearing only (in criminal and motor vehicle cases only).
`C] All Defendants.
`[j The following Defendant(s) only:
`I] Other (Specify):
`C] This is a Family Matters dose and my appearance is for: ("x' one or both)
`[:I matters in the Family Division of the Superior Court
`[I Title lV-D Child Support matters
`Note: If other counsel or a self—represented party has already filed an appearance for the party or parties 'x‘d' above, put
`an "x" in box 1 or 2 below:
`
`1. E] This appearance is in place of the appearance of the following attorney,
`firm or self-represented party on file (RB. Sec. 3-8):
`
`W
`2. E] This appearance is in addition to an appearance already on file.
`
`i agree to accept papers (service) electronically in this case under Practice Book Section 10-13
`Signed (individual attorney or self-represented party}
`Name of person signing at left (Print or type)
`
`C] Yes
`Date signed
`
`I] No
`
`b C
`
`ertification
`
`to all attorneys
`I certify that a copy of this document was mailed or delivered electronically or non-electronically on (date)
`and sell-represented parties of record and that written consent for electronic delivery was received from all attorneys and self-represented
`parties receiving electronic delivery.
`Name and address of each party and attorney that copy was mailed or delivered to‘
`
`
`
`For Court Use Only
`
`
`
`
`
`
`
`
`
`Signed (Slgnatwa 0! We!)
`
`
`
`> '
`
`lf necessary. attach an additional sheet or shoots with the name of each party and the address which the copy was mailed or delivered to.
`
`Print or type name 01 person signing
`
`Date signed
`
`Telephone number
`
`

`

`Instructions
`
`1. Type or print.
`2. For Criminal and Motor Vehicle cases: Fill out the form.
`including the certification section at the bottom of the
`form. File the original with the clerk. Mail or deliver a copy
`of the appearance to the prosecutor. (Sections 3-4(d) and
`3-5 of the Connecticut Practice Book)
`
`. For Civil , Eviction (Summary Process). and Small
`Claims cases: Fill out the form. including the certification
`section at the bottom of the form. File the original with the
`clerk. Mail or deliver a copy to all counsel and self-
`represented parties of record. it a party who has been
`defaulted for failure to appear files an appearance before
`the entry of judgment after default. the default will
`automatically be set aside by the clerk. (Sections 3-4(a),
`3-4(b), 3-5 and 17—20 of the Connecticut Practice Book)
`
`to selecting plaintiff or defendant, indicate the scope of
`your appearance. File the original with the clerk. Mail or
`deliver a copy to all counsel and self-represented parties
`of record. (Sections 3-4(a) and 3-5 of the Connecticut
`Practice Book)
`
`5. For Juvenile cases: Do not use this form. Use form
`
`JD-JM-13 Appearance. Juvenile Matters.
`
`6. For Self-represented parties who have changed their
`address after filing an appearance: Check the box at
`the top of the other side or page 1 of this form. Fill out the
`form. Including your new address in the Mailing Address
`section of this form. Fill out the certification section at the
`
`bottom of the form. File the original with the clerk. Mail or
`deliver a copy to all counsel and self-represented parties
`of record or, in a criminal case. to the prosecutor.
`4. For Family cases: Fill out the form. including the
`certification section at the bottom of the form. in addition
`
`
`Jocmz (gamma) Rev. e13
`
`ADA, contact a court clerk or an ADA contact person listed at www.jud.ct.gov/ADA.
`
`The Judicial Branch of the State of Connecticut complies with the Americans with
`Disabilities Act (ADA). If you need a reasonable accommodation in accordance with the
`
`ADA NOTICE
`
`

`

`FORECLOSURE MEDIANON
`
`NOTICE or COMMUNITY-BASED
`RESOURCES
`JD—CV-126 Rim/.1047
`65.534941:
`
`
`
`STATE OF CONNECTICUT
`
`
`
`fig ..
`SUPERIOR COURT
`JUDICIAL BRANCH
`_.
`_
`_
`www.10d.d.govW
`
`,
`
`State of Connecticut Department of Banking Foreclosure Hotline Bulletin
`Community-Based Resources for Connecticut Homeowners In Foreclosure
`Note: Assistance in multiple languages is available through Connecticut Housing Finance Authority (CHFA/HUD)-approved
`housing counseling agencies (refer to the list below). Ayuda en Espariol es disponible a través de agencies de oonsejeria de
`vivienda aprobado por CHFA/HUD (favor de refen'rse a la lista de abajo).
`
`Toll-free Mortgage Foreclosure Assistance Hotline: 1-877-472-8313
`Department of Banking Website: www.ct.govldob
`The free Foreclosure Hotline is open Monday - Friday 8:00 am. to 5:00 pm. Calls will be returned within two business days.
`Homeowners who are currently a party to a foreclosure action with time sensitive foreclosure concerns should call the Hotline
`for assistance. You can also reach the Department of Banking by calling 1-800-831-7225 (toll-free) or 860-240-8299.
`
`Mortgage Assistance from the Connecticut Housing Finance Authority (CHFA)
`The Connecticut Housing Finance Authority administers the state's Emergency Mortgage Assistance Program (EMAP)
`which was created by the Connecticut General Assembly. EMAP can help eligible homeowners with overdue payments and
`provide monthly mortgage assistance. For more information. contact a CHFA/HUD-approved housing counseling agency
`(listed below). call CHFA at 1-877-571-2432. or visitmam.
`
`CHFA/HUD-Approved Housing Counselors:
`CHFA/HUD—approved housing counselors provide free help to Connecticut homeowners who are struggling financially and
`may be at risk of foreclosure. They can review your budget and try to find ways to help with your financial issues. They are
`trained in handling FHA and "conventional" loans and can help you negotiate with your mortgage company or appiy to CHFA
`for an Emergency Mortgage Assistance loan. If a foreclosure case has been filed against you and you have asked to
`participate in the Foreclosure Mediation Program, they can help you get ready for mediation (including the Premediation
`meetings with your mediator) and help you submit financial documents to your mortgage company as part of the mediation
`process. CHFA/HUD approved housing counselors welcome residents from all over Connecticut. You do not need to
`go to the agency closest to you.
`
`CHFAIHUD-Approved Housing Counseling Agency
`
`Fairfield
`
`Urb
`
`.
`'
`L
`an eague of Southern Connecticut. lnc . 137 Henry Street. Stamford
`
`
`
`Bridgeport Neighborhood Trust. 570 State Street. Bridgeport
`2034904248
`
`
`
`
`
`.
`860424-2433
`
`20347745925
`
`'
`
`203-624-7406
`
`2037534896
`
`
`
`...--......_.__.____._...._.__._.s.._._.n.-....
`
`ii
`E
`
`N l hb h
`e g
`or on
`
`d H
`
`'
`‘
`'
`'
`ousing Services of New Britain. 223 Broad Street. New Salem
`
`New Haven HomeOwnershlp Center, Inc., 33 Sherman Avenue. New Haven
`E
`
`E
`New Haven
`Capital for Change. Inc.. 171 Orange Street, New Haven
`‘
`,1,“
`
`
`
`Neighborhood Housing Services of Waterbury, 161 North Main Street. Watemu
`mahswaterbm
`
`ry
`
`
`
`ADA NOTICE
`The Judicial Branch of the State of Connecticut
`complies with the Americans with Disabilities Act
`(ADA). It you need a reasonable accommodation in
`accordance with the ADA. contact a court clerk or an
`ADA contact person listed at wwjuictgov/ADA.
`
`
`
`
`
`
`
`
`
`
`
`

`

`
`
`Legal Resources
`
`Foreclosure Prevention Clinics: The Connecticut Fair Housing Center and the Department of Banking present free clinics
`for homeowners in foreclosure. The clinics offer information on the foreclosure process and on preparing for court from a
`Center attorney. and on resources for homeowners from the Department of Banking. After the presentations, homeowners
`can talk about their situations one-on-one with volunteer attorneys and paralegals. When scheduled in Hartford County,
`the clinic is held on the 3rd Tuesday evening of the month and is run by the Connecticut Fair Housing Center and the
`University of Hartford Paralegal Studies Program. When scheduled in Fairfield County. the clinic is held on the 3rd
`Wednesday evening of the month, and is run by the Connecticut Fair Housing Center and Homes Saved By Faith. The
`Fairfield County clinics are sponsored by the mayors of Bridgeport, Stamford. and Nomalk. Call 1-888-2474401 or visit
`www.ctfairhogsingbrg for more information.
`
`Judicial Branch Foreclosure Volunteer Attorney Program: Volunteer attorneys are available to give advice and answer
`questions about foreclosure at certain courthouses in the state. Homeowners facing foreclosure throughout Connecticut are
`welcome to attend. Call 860-263-2734 for additional information. or visit
`MWWW.
`
`Foreclosure Manual for Self-Represented Homeowners: The Connecticut Fair Housing Center publishes 'Representing
`Yourself in Foreclosure: A Guide for Connecticut Homeowners,‘ a free manual describing the foreclosure and mediation
`process for self-represented homeowners. Copies are available from CHFA/HUD-approved housing counselors, on
`www.ctfairhousingog. or by calling the Center at 1-888-247-4401.
`
`Statewide Legal Services (SLS): SLS provides free legal advice and referrals for callers qualifying for its services
`(guidelines include income limits). Call 1-800-453-3320 or 860-344-0380 or visit _wvy_w_.slsct.org for more information.
`Court Service Centers: In certain Superior Court locations, Court Service Centers provide public access computers.
`printers, fax machines, copiers, phones. and work space for self-represented parties. Refer to mJgdctgov. and go to
`the Quick Links menu on the home page of the Judicial website for more information.
`
`Lawyer Referral Services: County Bar Associations in Connecticut offer referral services that introduce homeowners to
`lawyers who can answer questions during an initial half-hour consultation. You can send an e-rnail with your questions and
`availability. Services beyond the tst half-hour fee will be at the attorney's usual fee.
`
`Fee for 112 hour
`
`
`
`
`
`I!
`i
`Fairfietd -_ wa@conversent-net
`i
`
`
`i
`8606256052 -E-_ cba@hartfordbar-or9
`
`
`Z
`203552-575°
`H03an°@newhavenbamr9
`
`
`E
`860-889-9384
`See website for contact form
`
`‘The Hartford County Bar also covers Litchfield, Middlesex, Tolland, and Windham Counties.
`
`How Foreclosure Rescue Scams Work. People in foreclosure are often the target of ”foreclosure rescue scams.‘
`Be very careful of non-lawyers who ask you to pay a fee for counseling, loan modification, foreclosure prevention, or a
`“forensic audit“ of your loan documents, regardless of their promises or claims. Many out-of-state attorneys target
`Connecticut residents: you should never pay attorneys that you do not meet. Contact the Department of Banking for more
`information at 1-877-472-8313 or visit www.9reventloanscams.org.
`Mortgage Crisis Job Training Program. The state-funded Mortgage Crisis Job Training Program is a project of The
`WorkPlace. Inc.. in partnership with the Connecticut Housing Finance Authority (CHFA). Capital Workforce Partners, and
`Connecticut's workforce system. The Program helps homeowners increase theirjob skills and earning potential. It offers
`customized employment services, job training scholarships, financial literacy, and credit counseling. For information call
`1-856-683-1682 or go to mmorkplaceorglmgflgage-crisis-iob-trzining-programl.
`Financial Assistance Programs. Connecticut's 12 Community Action Agencies (CAAs) help people meet immediate
`needs through services such as Eviction and Foreclosure Prevention, energy/heating assistance, food pantries, and
`weatherization. CAAs also empower people to improve their financial future through employment services, financial literacy
`training, and other programs. To locate your local CAA call the Connecticut Association for Community Action at
`860-832-9438 or visit www.cafca.orglgur-network.
`
`For more information on programs for homeowners facing financial distress, review the Department of Banking‘s materials on
`Moyldob or call 1-877-472-8313. You can also call Info line at 2-1 -1 for resources.
`
`“.3.
`
`ism-125 Rev. 10-17
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`Page 2 of 2
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`MEDIATION INFORMATION FORM
`(For cases with a Return Date of
`1011 I13 or later)
`JD«CV-135 Rev. 3-13
`c.c.s. § 49s", PA13-136
`
`STATE OF CONNECTlCUT
`SUPERIOR COURT
`JUDICIAL BRANCH
`www.1ud.cr.gov
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`ADA NOTICE
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`The Judicial Branch of the State of Connecticut complies with the
`
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`Americans with Disabilities Act (ADA).
`If you need a reasonable
`accommodation in accordance with the ADA, contact a court clerk
`or an ADA contact person listed at wwaud.ct.gov/ADA.
`
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`The Court‘s Foreclosure Mediation Program is set up to help eligible homeowners and their lenders or mortgage
`servicers see whether they can reach a fair and voluntary agreement under the supervision of a neutral mediator
`employed by the Court. The program addresses all aspects of the foreclosure including any assistance options
`that may be available through your lender or mortgage servicer to help you 1) keep your home. or 2) gracefully
`exit from your home by way of a short sale. deed-in-lieu of foreclosure, or negotiated sale date or law day.
`
`The objectives of the mediation program are:
`- To determine whether the parties can reach an agreement that will either:
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`1. Avoid the foreclosure by means that may include programs that are available through your lender or
`mortgage servicer; or
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`2. Expedite or facilitate the foreclosure in a manner that is acceptable to both you and your lender or
`mortgage servicer.
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`- To reach this determination with reasonable speed and efficiency, with both parties participating in the
`mediation process in good faith. without unreasonable and unnecessary delays.
`
`What you must do:
`1. Fill out the Appearance form and Foreclosure Mediation Certificate. These forms are included in this packet.
`You must file them with the court no later than 15 days after the return date. The return date is printed on the
`upper right part of the Summons form in this packet. You do not have to come to court on the return date.
`The court cannot notify you of the date and time you must come for your first premediation meeting until you file
`these forms.
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`2. Mail a copy of the Appearance form and the Foreclosure Mediation Certificate to the Plaintiff‘s attorney at the
`address of the attorney or law firm on the Summons form, and to any other party who has filed an appearance
`in your case.
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`3. Start gathering documentation so that you will be prepared to meet with your mediator. Lenders typically
`request copies of the following documents:
`Proof of Income
`
`- Wage/Salary income — Pay stubs covering the last 30 days.
`- Self—Employment income — Profit 8. Loss statement for the most recent quarter or year to date, signed and
`dated.
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`- Benefit income — Most recent award letter {social security. disability, food stamps, pension, public
`assistance, adoption assistance).
`- Rental Income -— All leases with signatures.
`. Alimony/Child Support — If you rely on this income to pay your mortgage. Court order showing the amount of
`alimony and/or child support that you receive.
`.,
`- Contribution Income — Contribution letters from all non-borrowers who are related to you and live with you,
`signed and dated by them, and proof of their income.
`- Federal Tax Returns — Personal returns with all schedules for the last 2 years; copies of business returns. if
`applicable; copies of IRS tax filing extensions, if applicable.
`- Bank Statements — Personal bank statements for the last 2 months and business bank statements for the
`last 4 months if self-employed. Must include all pages, bank logo, and account holder's information.
`Other lnforrnation
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`- Most recent utility bill (gas, electric, or water).
`- Most recent real estate property tax bill.
`- Evidence of amount of homeowners association dues or condominium fees, and whether current or
`delinquent-
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`Page 1 of 2
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`° Homeowners' insurance declaration page.
`' Hardship letter— A letter explaining what happened that prevented you from making your mortgage payment.
`and that indicates whether or not the hardship has been resolved . signed and dated by all borrowers.
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`4. Within 35 days from the return date. your lender or mortgage servicer will mail you a packet of forms, their list of
`required documentation. and other information about your loan or your property. A copy will also be sent to your
`mediator. Upon receipt of this packet, complete the forms provided, gather any additional
`documentation on the list, and bring the completed forms and documentation to your scheduled
`premediation meeting with your mediator. You can read more about this meeting in the next section below.
`Do not mail the completed forms and documentation to the court.
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`The Mediation Process
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`If your return date is October 1. 2013 or later. the Foreclosure Mediation Program will consist of two stages:
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`- Premediation — During this stage, you will meet one-on-one with a mediator to review your financial
`information and to discuss possible options. If necessary, the mediator will assist you in completing forms and
`gathering the documentation required by your lender or mortgage servicer. The mediator may also refer you
`to other resources that can help you. such as the housing counseling agencies listed on the attached Notice
`of Community-Based Resources. You may have one or more meetings with the mediator. but premediation
`will end approximately 12 weeks from the retum date on your Summons. At the conclusion of premediation,
`the mediator will ensure that your documentation is delivered to your lender or mortgage servicer or its
`attorney, and will determine whether mediation with your lender or mortgage servicer will be scheduled. If the
`mediator determines that mediation will not be scheduled. mediation will terminate. If mediation has been
`terminated, you may ask the Court to be included in mediation if you think the mediator has made a mistake
`or if you have had a change in circumstances. If the mediator determines that mediation will be scheduled.
`you will receive notice of the date and time of your mediation in the mail. The first mediation will be scheduled
`no later than 5 weeks from the date your forms and documentation are delivered to your lender or mortgage
`servicer, or its attorney.
`- Mediation —— if mediation is scheduled. you will meet with a mediator and a representative of the lender or
`mortgage servicer and its attorney to review any assistance options that may be available to you through your
`lender or mortgage servicer. You may be asked to submit additional documentation as part of the
`mediation process depending on your situation. By law, the representative is permitted to participate in
`mediation by phone as long as the representative is knowledgeable about your case and the types of
`assistance that may be available to you. If you are represented by an attorney. your attorney may appear for
`you after the first mediation as long as you are available to participate by phone. If you do not have an
`attorney and if there are 2 or more self-represented borrowers, then after the first mediation session, it is likely
`that only one of you will need to come to mediation if the other(s) are available to participate by phone.
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`Other Information you should know:
`The information you provide during the mediation process will be treated as confidential and will not be shared
`without your consent with anyone besides your lender or mortgage servicer. its attorneys. and a court-employed
`mediator with the Foreclosure Mediation Program.
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`Prior to your premediation meeting(s) with the mediator. if you need help filling out the forms. gathering the
`required documentation, or preparing for mediation, you may contact one of the housing counseling agencies
`listed on the attached Notice