Legal Document: GE EMPLOYEES FEDERAL CREDIT UNION v. DIIORIO, SALVATORE Et Al

On November 06, 2023 a SUMMONS was filed involving a dispute between Ge Employees Federal Credit Union, and Giuseppe Diiorio The Unknown Successor Trustee Of The Estate Of, Salvatore Diiorio, State Of Connecticut, Department Of Revenue Services, for P00 - Property - Foreclosure in the District Court of Fairfield County.

Preview
JD-CV-103 Rev. 7-09

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 decision (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 is 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
1-877-571-2432, Customer Service Representatives are available Monday
through Friday from 8:30 a.m. to 5:00 p.m. You may also call 2-1-1 for other help.

PROCEED WITH CAUTION

You may be contacted by people offering to help you avoid foreclosure. Please follow these precautions:

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

Pri i Reset Form |
FORECLOSURE MEDIATION
NOTICE TO HOMEOWNER OR
RELIGIOUS ORGANIZATION
STATE OF CONNECTICUT
SUPERIOR COURT
JUDICIAL BRANCH
ae Be
x os Me eae
For cases with a Return Date of
10/1/2011 or later) www.jud.ct.gov “ey aesy
JO-CV-127 Rev. 7-15
C.GSS. §§ 49-311, 49-31k; PA 15-124
FMNORMR
ADA NOTICE HOC
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.

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, JD-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.jud.ct.gov/webforms.

A mediation may be scheduled if:

1. You are the owner-occupant of a 1, 2, 3 or 4 family residential property; and
e you are a borrower or a spouse or former spouse of a borrower who qualifies
as a Permitted Successor-in-Interest (see Foreclosure Mediation Certificate,
form JD-CV-108, to determine if you qualify as a Permitted Successor-in-Interest);
and

the mortgage on your owner-occupied residential property is being
foreclosed; and

e the property being foreclosed is your primary residence; and

e the property is located in Connecticut; or

the property is owned by a religious organization that is the borrower, and is
located in Connecticut.

If you 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.

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 STATE OF CONNECTICUT ee
CERTIFICATE SUPERIOR COURT 3
JO-CV-108 Rey. 7-15 JUDICIAL BRANCH
C.G.S. §§ 49-31, 49-341; PLA. 15-124 www jud.ct.gov re a
Instructions to Homeowner Applicant a
FMREQ
1. Use this form if the retum 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 at www,jud.ct.gov)
and file them with the court not more than 15 days after the return date on the Summons. Ee HNN
3. You must mail or deliver a copy of this completed Certificate form to the plaintiff's attorney, or to the plaintiff if the plaintiff
is not represented by an attorney, and to all parties who have filed an appearance in the case.

This form will be used to determine your eligibility for the Foreclosure Mediation Program.

Type or Print Legibly
Name of case (Plaintiffon Summons vs. Defendant on Summons) Dockel number (To be filled in by court staff)

Reium date (On upper right portion of Summons) | Judicial District of (On upper left portion of Summons)

Your name

‘Address (Number, street, town, stale, zip code)

‘Telephone number Business phone Call phone
( ) ¢ } ( )

. If you are an individual, answer the following questions:
1. Do you own the property? (Yes [No
2. Do you live in the property? CJ Yes [JNo
3. Is it your primary residence? C1 Yes [-]No
4. Is ita 1, 2, 3 or 4 family residential property located in Connecticut? [Yes []No
5. Is this a mortgage foreclosure? (Yes L_]No
6. Are you a borrower on the note? (J Yes LI No
If you are not a borrower on the note, but answered "yes" 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.

if you answered “yes” to questions one (1) through six (6) and
nd 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
. If you are filing this on behalf of a religious organization, answer the following questions:
1, Does a religious organization own the property? Yes [No
2. Is the property located in Connecticut? L] Yes [_] No
3. Is the religious organization the borrower on the note?
HN
LJ Yes
4, Is the return date in the case on or after October 1, 2011? J Yes

ADA NOTICE
The JudicialBranch of the State of
Connecticut complies with the Americans with
DisabilitiesAct (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.

Continued on next page...

Page 1 of 2 setFom 1
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-Interest. Answer the following questions to help the Court
determine if you qualify:
1. Are you a defendant in this case? (Yes (] No
2. Is the return date in this case on or after October 1, 2015? No Yes
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)
(2 3a. | became the only owner of the property when it was transferred to me from my deceased spouse's estate.
(1 3b. | became the only owner of the property because my deceased spouse and | held joint title to the property.
(1) 3c. | became the owner of the property because 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.
If you checked 3c., go to Section D.2 and Section D.3.

D. Consents
if 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, 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. 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-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, check this box to complete your consent:
(1 [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:
(J I 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 3c., check this box to
certify that all borrowers on the note have provided their consent:
(_] | 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
information, and that the borrowers have shown their consent by (check any box that applies):
(1 Submitting a Foreclosure Mediation Certificate containing their consent, or
(J Giving documentation to the plaintiff mortgagee that allows for the full disclosure of the borrower's
non-public personal financial information to me.

Signed Print name of person signing Daié signed

Certification
| certify that a copy of this document was or will immediate ly 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 of each party and attorney that copy was or will immediately be mailed or delivered to*

“If necessary, attach additional sheet or sheets with name and address which the copy was or will immediately be mailed or delivered to.
Signed (Signature offiler) Print or type namie of person signing Date signed
>
Mailing address (Number, street, town, state and zip code) Telephone number

Page 2 of 2 Fon J
APPEARANCE This form is available STATE OF CONNECTICUT
JD-CL-12 Rev. 12-21 in other language(s).
P.B. §§ 3-1 through 3-12, 10-13, 25-6A, 26a-2, 254-3, SUPERIOR COURT
wow jud.ct.gov Sei ies?
There are instructions and important notices on page 2 (the back) of this form.
Read page 2 before filling out this form. Return date (For Civil/Family cases)

|
Jam filing this appearance to let the court and all attorneys and self-represented
0 parties of record know that | have changed my address. My new address is below.
Bocket Number

Name of case (Full name of first Plaintifv. Full neme of first Defendant) Note: In Criminal/Motor Vehicles cases, the Plaintiffis The State of Connecticut

Gi ‘Address of court (Number, street, town and zip code) ‘Scheduled court date (Criminal/otor Vehicle cases only)
Housing Judicial Geographic
Session District Area omen
Enter the Appearance of
Name (Your name or name ofofficial, firm, professional corporation, or individual attorney) Turis number (For atfomeylow fim)
‘Walling adaress Post Office box number Telephone number (Area code frst)
Cityitown’ State Zip code Fax number E-mail address

in the case named above for: (Select one of the following parties. See descriptions/notes on page 2 of this form.)
PLAINTIFF DEFENDANT
(J The Plaintiff, The Defendant.
[J All Plaintiffs. [J All Defendants.
(J The following Plaintiff(s) only: [J The following Defendant(s) only:

(CD Other (Specify):

(1) This is a Family Matters case (such as divorce, custody, or child support). My appearance is for: (Select one or both)
{-] matters in the Family Division of the Superior Court (JJ Title IV-D Child Support matters
{_] This is a Criminal/Motor Vehicle case, and | am filin ig this appearance as [|] a Public Defender or (_]
Assigned Counsel
J This appearance is for the purpose of a bail hearing only. (Special Public Defender)
L] This appearance is for the purpose of alternative arraignment proceedings only.

If an appearance by other counsel or self-represented party is on file for this party/parties,
select one option below:
1. [] This appearance is in place of the appearance of:
Namie and Juris Number (if applicable) fo be replaced
2. [[] This appearance is in addition to an appearance already on file.

' agree that documents can be delivered (served) to me electronically in this case. (Practice Book Sec. 10-13)
[]Yes []No
Signed (individual atiorney or seif-represented party) Name of person signing al left (Print or type) Dale signed

Certification
FOR COURT USE ONLY
| 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 received or will immediately be receiving electronic delivery.
Name and address of each parly and allorney that copy was or will be mailed or delivered to"

‘Iinecessary, attach additional sheel or sheets with name and address which the copy was or will be mailed or delivered to.
Signed (Signature of filer) Print or type name of person signing Date signed
~

a Page 1 of 2 Reset Form
Instructions
Do not use this form for Juvenile cases.
41. Type or print clearly in dark ink.
2. Fill out page 1, including the Certification section at the bottom.
3. Make a copy of the completed form and keep it for your records.
4, File your completed form with the court clerk.
5. For Criminal and Motor Vehicle cases: Mail or deliver a copy of the appearance to the prosecutor.
For all other cases: Mail or deliver a copy to all counsel and self-represented parties of record.
Notice for Civil cases, including Housing Matters and Small Claims
If 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.
Notice to people representing themselves
People who represent themselves in court are called self-represented parties.
Self-represented parties: Which party do | select on page 1?
You are a plaintiff
+ You filed this court case to sue someone.
» You are the one who started this court case.
+ Your name is listed before the " in the name of case on court documents.
lf you are the ONLY plaintiff, select "The Plaintiff".
If there is more than one plaintiff, select "The following Plaintiff(s) only" and write your name on the line.
You are a defendant if...
+ This is a criminal or motor vehicle case.
+ You are being sued.
+ Your name is listed after the "in the name of case on court documents.
+ Your landlord started this case to evict you.
+ You were served with the court papers at the beginning of this case.
If you are the ONLY defendant select "The Defendant”.
if there is more than one defendant, select "The following Defendant(s) only" and write your name on the line.
Select Other...
+ If you and your spouse filed a nonadversarial divorce, select "Other" and write if you are Petitioner A or Petitioner B on the line.
* If you asked the court to let you intervene and you are listed as an intervenor, select "Other" and then describe who you are.
* If you are listed as a party to the case for some other reason, select "Other" and write who you are in the case on the line.
Self-represented parties in Family Matters: Filing “in addition to” an attorney (dual representation)
If you are a self-represented party who is filing an appearance “in addition to” an attorney who already has an appearance in this
court case, be aware of the following:
+ Any document being filed on your behaif must be signed by your attorney pursuant to Practice Book Section 4-2.
+ Ifa document being filed on your behalf is not signed by your attorney, the court may order that the matter be stayed (delayed)
until the attorney adopts the document.
+ If you inform the court that there is no attorney actively representing you, the court may delay the matter until you file a new
appearance “in place of” your attorney(s).
+ If your attorney does not adopt your motion and the motion is not disposed of or withdrawn:
+ You are responsible for prosecuting or litigating that motion.
+ An attorney for any other party on the case may contact you directly with respect to the subject matter of that motion.
+ If multiple motions are scheduled for hearing at the same time, one or more of which have been adopted by your attorney and
‘one or more of which have not, it is up to the court how to proceed.
+ If you file any other document that is not signed by your attorney, it is up to the court how the document will be treated.
Self-represented parties: Address changes
If you are a self-represented party, you must give notice if your mailing address changes after you file an appearance.
You must tell the court and all attorneys and self-represented parties of record your new mailing address by filling out another
appearance. Select the box at the top of page 1 of this form and fill out the rest of page 1 using your new mailing address.
Notice to attorneys/law firms
1. Except as noted below, if you are an attorney, you are not exempt from e-filing, and the file in this case is electronic, do Dot use
this form. File your appearance in the E-filing system.
2. Notices from the court will be mailed to the address associated with your Juris Number. You cannot use this form to have the
court mail notices to a different address.
3. If you are an attorney admitted pro hac vice or filing on behalf of a non-party, you must file this form on paper with the clerk.

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.

Page 2 of 2 oReset Form |
FORECLOSURE MEDIATION NOTICE OF STATE OF CONNECTICUT es
COMMUNITY-BASED RESOURCES SUPERIOR COURT
JD-CV-126 Rev. 10-19 JUDICIAL BRANCH
C.GSS. §§ 49-31/, 49-317 wwew jd.ct,gov Cis. wo

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 Espafiol es disponible a través de agencias de consejeria de
vivienda aprobado por CHFA/HUD (favor de referirse a la lista de abajo).

Toll-free Mortgage Foreclosure Assistance Hotline: 1-877-472-8313
Department of Banking Website: www.ct.gov/dob
The free Foreclosure Hotline is open Monday - Friday 8:00 a.m. to 5:00 p.m. 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 visit www.chfa.org.

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 apply 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 morigage 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.

County CHFA/HUD-Approved Housing Counseling Agency Phone
Bridgeport Neighborhood Trust, 570 State Street, Bridgeport
www, bntweb.org 203-290-4255
Fairfield
Urban League of Southern Connecticut, Inc., 137 Henry Street, Stamford
www.ulse.org 203-327-5810

Neighborhood Housing Services of New Britain, 223 Broad Street, New Britain
Hartford 860-224-2433
www. nhsnb.org
New Haven HomeOwnership Center, Inc., 333 Sherman Avenue, New Haven
www.nbsofnewhaven.org 203-562-0598

New Haven Capital for Change, inc., 171 Orange Street, 3rd Floor, New Haven 203-624-7406
www. capitalforchange.org Extension 1320
Neighborhood Housing Services of Waterbury, 193 Grand Street, 3rd Floor, Waterbury
www.nhswaterbury.org 203-753-1896

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.

Printea 1 [eRasat harmal
Legal Resources
Foreclosure Prevention Clinics: The Connecticut Fair Housing Center, together with Homes Saved by Faith, regularly
presents free clinics for homeowners facing foreclosure. The clinics offer information from a Center attorney on how to
prepare for court and what resources exist for homeowners. After the presentation, homeowners can discuss their situations
briefly. one-on-one, with an attorney. The clinics aré typically on weekday evenings in either Hartford or Fairfield County
Call 1-888-247-4401 or visit www.ctfairhousing.org for more information on dates and locations.
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 http:/jud.ct.gov/volunteer_atty_prgm.htm.
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- presented homeowners. Copies are available from CHFA/HUD-approved housing counselors, on
www.ctfairhousing.org, 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 www.sisct.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 www.jud.ct.gav, 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-mail with your questions and
availability. Services beyond the 1st half-hour fee will be at the attorney's usual fee.
i
Fee for 1/2 hour
County Phone
Consultation
Website Email
Fairfield 203-335-4116 $40 ridgeporthar.org LRService04@yahoo.com
Hartford* 860-525-8106 $35 www. utfordbar.org heba@hartfordbar.org
New Haven 203-562-5750 $35 www.newhavenbar.org LRS@newhavenbar.org
New London 860-889-9384 $25 www.nleba.org newlondoncba@gmail.com
*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.preventloanscams.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 their job skills and earning potential. It offers
customized employment services, job training scholarships, financial literacy, and credit counseling. For information call
-866-683-1682 or go to WWW.’ -workpla: org/mortgage-cri b-training-program/.
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.org/our-network.
For more information on programs for homeowners facing financial distress, review the Department of Banking's materials on
www.ct.gov/dob or call 1-877-472-8313. You can also call Info line at 2-1-1 for resources.

JD-CV-126 Rev. 10-19 Page 2 of 2
TRASat Farad
MEDIATION INFORMATION FORM STATE OF CONNECTICUT
(For cases with a Return Date of 10/1/13 or later) SUPERIOR COURT
JD-CV-135 Rev. 9-19
C.G.S. § 49-311 www jud.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.
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 the lender or mortgage servicer to help homeowners 1) keep their homes, or
2) gracefully exit from their homes 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:
1. To determine whether the parties can reach an agreement that may allow the parties to either:
a. Stop the foreclosure by using programs available through the lender or mortgage servicer; or
b. Go forward with the foreclosure in a way that is acceptable to the homeowner and the lender or mortgage
servicer.
2. To reach some agreement 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.
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.
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 & Loss statement for the most recent quarter or year to date, signed and
dated.
+ 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 Information
* Most recent utility bill (gas, electric, or water).
+ Most recent real estate property tax bill.
* Evidence of amount of homeowner's association dues/condominium fees, and whether current or delinquent.
Page 1 of 2
TREES
° Homeowners’ insurance declaration page.
+ Hardship letter— A letter, signed and dated by all borrowers, explaining what prevented you from making your
mortgage payment, and indicating if the hardship is resolved.
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 documents on
the list, and bring the completed forms, and other documents 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 documents to the court.

The Mediation Process
If your return date is October 1, 2013 or later, the Foreclosure Mediation Program will consist of two stages:
+ 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 help you complete forms and
gather the documents 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 return 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. Depending on your situation, you may be asked to submit additional
documentation as part of the mediation process. 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 aitorney, 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.

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 except your lender or mortgage servicer, its attorneys, and a court-employed
mediator with the Foreclosure Mediation Program.
Before your premediation meeting(s) with the mediator, if you need help completing forms, gathering documents,
or preparing for mediation, you may contact one of the housing counseling agencies listed on the attached Notice
of Community-Based Resources (form JD-CV-126). However, if you are not able to get help quickly enough, you
must do your best to complete the forms and gather the documents yourself. The mediator will give you additional
help during the premediation process.
If your spouse is not a borrower on your loan, but you wish to have that person attend mediation with you, you
must give your lender your written consent to discuss your loan with your spouse.

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John F. Kavanewsky, Jr. Track Judge’s New Case

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November 06, 2023

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Document for GE EMPLOYEES FEDERAL CREDIT UNION v. DIIORIO, SALVATORE Et Al

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