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NOTICE ABOUT THE RESIDENTIAL STATE OF CONNECTICUT
FORECLOSURE PROCESS JUDICIAL BRANCH
JD-CV-103 Rev. 2-24 SUPERIOR COURT
C.G.S. §§ 49-31l, 49-31r www.jud.ct.gov
For information on ADA
accommodations, contact the
Centralized ADA Office at 860-706-5310
or go to: www.jud.ct.gov/ADA/
YOU ARE BEING SUED
AND YOU ARE IN DANGER OF LOSING YOUR PROPERTY
The State of 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 for you to 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 Mediation 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.
File an Appearance (form JD-CL-12) at the Court where your case is pending. If you do not file an Appearance 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.
You should also work with your lender or other person bringing this lawsuit or, if this foreclosure involves your home,
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/foreclosure.
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 9:00 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:
1. Get legal advice before entering into any deal involving your house.
2. Get legal advice before paying any money to anyone offering to help you avoid foreclosure.
3. Do not sign any papers you do not understand.
READ THE PAPERS UNDER THIS NOTICE
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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, 25a-2, 25a-3
SUPERIOR COURT
www.jud.ct.gov
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)
I am filing this appearance to let the court and all attorneys and self-represented Docket Number
parties of record know that I have changed my address. My new address is below.
Name of case (Full name of first Plaintiff v. Full name of first Defendant) Note: In Criminal/Motor Vehicles cases, the Plaintiff is The State of Connecticut
Address of court (Number, street, town and zip code) Scheduled court date (Criminal/Motor Vehicle cases only)
Housing Judicial Geographic
Session District Area
Enter the Appearance of
Name (Your name or name of official, firm, professional corporation, or individual attorney) Juris number (For attorney/law firm)
Mailing address Post Office box number Telephone number (Area code first)
City/town 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
The Plaintiff. The Defendant.
All Plaintiffs. All Defendants.
The following Plaintiff(s) only: The following Defendant(s) only:
Other (Specify):
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 Title IV-D Child Support matters
This is a Criminal/Motor Vehicle case, and I am filing this appearance as a Public Defender or Assigned Counsel
This appearance is for the purpose of a bail hearing only. (Special Public Defender)
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:
Name and Juris Number (if applicable) to be replaced
2. This appearance is in addition to an appearance already on file.
I agree that documents can be delivered (served) to me electronically in this case. (Practice Book Sec. 10-13) Yes No
Signed (Individual attorney or self-represented party) Name of person signing at left (Print or type) Date signed
Certification FOR COURT USE ONLY
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 received or will immediately be receiving electronic delivery.
Name and address of each party and attorney that copy was or will be mailed or delivered to*
*If necessary, attach additional sheet 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
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Instructions
Do not use this form for Juvenile cases.
1. 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 I select on page 1?
You are a plaintiff if...
• You filed this court case to sue someone.
• You are the one who started this court case.
• Your name is listed before the "v." in the name of case on court documents.
If 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 "v." 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 behalf must be signed by your attorney pursuant to Practice Book Section 4-2.
• If a 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 not 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.
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FORECLOSURE MEDIATION STATE OF CONNECTICUT
CERTIFICATE SUPERIOR COURT
JD-CV-108 Rev. 7-15 JUDICIAL BRANCH
C.G.S. §§ 49-31k, 49-31l; P.A. 15-124
www.jud.ct.gov
Instructions to Homeowner Applicant
FMREQ
1. Use this form if 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 at www.jud.ct.gov)
and file them with the court not more than 15 days after the return date on the Summons. *FMREQ*
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 (Plaintiff on Summons vs. Defendant on Summons) Docket number (To be filled in by court staff)
Return date (On upper right portion of Summons) Judicial District of (On upper left portion of Summons)
Your name
Address (Number, street, town, state, zip code)
Telephone number Business phone Cell phone
( ) ( ) ( )
A. If you are an individual, answer the following questions:
1. Do you own the property? Yes No
2. Do you live in the property? Yes No
3. Is it your primary residence? Yes No
4. Is it a 1, 2, 3 or 4 family residential property located in Connecticut? Yes No
5. Is this a mortgage foreclosure? Yes No
6. Are you a borrower on the note? Yes 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 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? Yes No
2. Is the property located in Connecticut? Yes No
3. Is the religious organization the borrower on the note? Yes No
4. Is the return date in the case on or after October 1, 2011? Yes No
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.
Continued on next page...
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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? Yes No
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)
3a. I became the only owner of the property when it was transferred to me from my deceased spouse's estate.
3b. I became the only owner of the property because my deceased spouse and I held joint title to the property.
3c. I 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:
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.
2. 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:
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.
3. 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:
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
information, and that the borrowers have shown their consent by (check any box that applies):
Submitting a Foreclosure Mediation Certificate containing their consent, or
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 Date signed
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 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 of filer) Print or type name of person signing Date signed
u
Mailing address (Number, street, town, state and zip code) Telephone number
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FORECLOSURE MEDIATION NOTICE OF STATE OF CONNECTICUT
COMMUNITY-BASED RESOURCES SUPERIOR COURT
JD-CV-126 Rev. 10-19 JUDICIAL BRANCH
C.G.S. §§ 49-31l, 49-31r www.jud.ct.gov
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 Español 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 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.
County CHFA/HUD-Approved Housing Counseling Agency Phone
Bridgeport Neighborhood Trust, 570 State Street, Bridgeport
203-290-4255
www.bntweb.org
Fairfield
Urban League of Southern Connecticut, Inc., 137 Henry Street, Stamford
203-327-5810
www.ulsc.org
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 203-562-0598
www.nhsofnewhaven.org
Capital for Change, Inc., 171 Orange Street, 3rd Floor, New Haven 203-624-7406
New Haven
www.capitalforchange.org Extension 1320
Neighborhood Housing Services of Waterbury, 193 Grand Street, 3rd Floor, Waterbury 203-753-1896
www.nhswaterbury.org
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.
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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 are 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-represented 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.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 www.jud.ct.gov, 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.
Fee for 1/2 hour
County Phone Website Email
Consultation
Fairfield 203-335-4116 $40 www.bridgeportbar.org LRService04@yahoo.com
Hartford* 860-525-8106 $35 www.hartfordbar.org hcba@hartfordbar.org
New Haven 203-562-5750 $35 www.newhavenbar.org LRS@newhavenbar.org
New London 860-889-9384 $25 www.nlcba.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
1-866-683-1682 or go to www.workplace.org/mortgage-crisis-job-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
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FORECLOSURE MEDIATION
NOTICE TO HOMEOWNER OR STATE OF CONNECTICUT
RELIGIOUS ORGANIZATION SUPERIOR COURT
(For cases with a Return Date of JUDICIAL BRANCH
10/1/2011 or later) www.jud.ct.gov
JD-CV-127 Rev. 7-15
C.G.S. §§ 49-31I, 49-31k; PA 15-124
FMNORMR
ADA NOTICE *FMNORMR*
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
l 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
l the mortgage on your owner-occupied residential property is being
foreclosed; and
l the property being foreclosed is your primary residence; and
l the property is located in Connecticut; or
2. the property is owned by a religious organization that is the borrower, and is
located in Connecticut.
3. 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.
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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. § 49-31l 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.
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.
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 & 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.
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• 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 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.
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.
Page 2 of 2
Print Form
SUMMONS - CIVIL For information on STATE OF CONNECTICUT
JD-CV-1 Rev. 2-22 ADA accommodations,
C.G.S. §§ 51-346, 51-347, 51-349, 51-350, 52-45a, 52-48, 52-259;
SUPERIOR COURT
contact a court clerk or www.jud.ct.gov
P.B. §§ 3-1 through 3-21, 8-1, 10-13
go to: www.jud.ct.gov/ADA.
Instructions are on page 2.
Select if amount, legal interest, or property in demand, not including interest and costs, is LESS than $2,500.
Select if amount, legal interest, or property in demand, not including interest and costs, is $2,500 or MORE.
Select if claiming other relief in addition to, or in place of, money or damages.
TO: Any proper officer
By authority of the State of Connecticut, you are hereby commanded to make due and legal service of this summons and attached complaint.
Address of court clerk (Number, street, town and zip code) Telephone number of clerk Return Date (Must be a Tuesday)
1061 MAIN STREET, BRIDGEPORT, CT 06604 ( 203 ) 579 – 6527 March 5, 2024
Judicial District At (City/Town) Case type code (See list on page 2)
G.A.
Housing Session Number: Bridgeport, CT Major: P Minor: 00
For the plaintiff(s) enter the appearance of:
Name and address of attorney, law firm or plaintiff if self-represented (Number, street, town and zip code) Juris number (if attorney or law firm)
Locke Lord LLP, 20 Church Street, Hartford, CT 404401
Telephone number Signature of plaintiff (if self-represented)
( 860 ) 541 – 7740
The attorney or law firm appearing for the plaintiff, or the plaintiff if E-mail address for delivery of papers under Section 10-13 of the
Connecticut Practice Book (if agreed)
self-represented, agrees to accept papers (service) electronically
in this case under Section 10-13 of the Connecticut Practice Book. Yes No tara.trifon@lockelord.com
Parties Name (Last, First, Middle Initial) and address of each party (Number; street; P.O. Box; town; state; zip; country, if not USA)
First Name: Deutsche Bank National Trust Company, as Indenture Trustee for Home Mortgage Investment Trust
P-01
plaintiff Address: 2005-2, c/o Ocwen Loan Servicing, LLC, 1661 Worthington Rd., Suite 100, West Palm Beach FL 33409
Additional Name:
P-02
plaintiff Address:
First Name: Glenn L. Manigault
D-01
defen
Preview
NOTICE ABOUT THE RESIDENTIAL STATE OF CONNECTICUT FORECLOSURE PROCESS JUDICIAL BRANCH JD-CV-103 Rev. 2-24 SUPERIOR COURT C.G.S. §§ 49-31l, 49-31r www.jud.ct.gov For information on ADA accommodations, contact the Centralized ADA Office at 860-706-5310 or go to: www.jud.ct.gov/ADA/ YOU ARE BEING SUED AND YOU ARE IN DANGER OF LOSING YOUR PROPERTY The State of 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 for you to 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 Mediation 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. File an Appearance (form JD-CL-12) at the Court where your case is pending. If you do not file an Appearance 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. You should also work with your lender or other person bringing this lawsuit or, if this foreclosure involves your home, 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/foreclosure. 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 9:00 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: 1. Get legal advice before entering into any deal involving your house. 2. Get legal advice before paying any money to anyone offering to help you avoid foreclosure. 3. Do not sign any papers you do not understand. READ THE PAPERS UNDER THIS NOTICE Print Form Reset Form 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, 25a-2, 25a-3 SUPERIOR COURT www.jud.ct.gov 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) I am filing this appearance to let the court and all attorneys and self-represented Docket Number parties of record know that I have changed my address. My new address is below. Name of case (Full name of first Plaintiff v. Full name of first Defendant) Note: In Criminal/Motor Vehicles cases, the Plaintiff is The State of Connecticut Address of court (Number, street, town and zip code) Scheduled court date (Criminal/Motor Vehicle cases only) Housing Judicial Geographic Session District Area Enter the Appearance of Name (Your name or name of official, firm, professional corporation, or individual attorney) Juris number (For attorney/law firm) Mailing address Post Office box number Telephone number (Area code first) City/town 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 The Plaintiff. The Defendant. All Plaintiffs. All Defendants. The following Plaintiff(s) only: The following Defendant(s) only: Other (Specify): 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 Title IV-D Child Support matters This is a Criminal/Motor Vehicle case, and I am filing this appearance as a Public Defender or Assigned Counsel This appearance is for the purpose of a bail hearing only. (Special Public Defender) 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: Name and Juris Number (if applicable) to be replaced 2. This appearance is in addition to an appearance already on file. I agree that documents can be delivered (served) to me electronically in this case. (Practice Book Sec. 10-13) Yes No Signed (Individual attorney or self-represented party) Name of person signing at left (Print or type) Date signed Certification FOR COURT USE ONLY 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 received or will immediately be receiving electronic delivery. Name and address of each party and attorney that copy was or will be mailed or delivered to* *If necessary, attach additional sheet 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 Print Form Page 1 of 2 Reset Form Instructions Do not use this form for Juvenile cases. 1. 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 I select on page 1? You are a plaintiff if... • You filed this court case to sue someone. • You are the one who started this court case. • Your name is listed before the "v." in the name of case on court documents. If 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 "v." 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 behalf must be signed by your attorney pursuant to Practice Book Section 4-2. • If a 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 not 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. Print Form Page 2 of 2 Reset Form FORECLOSURE MEDIATION STATE OF CONNECTICUT CERTIFICATE SUPERIOR COURT JD-CV-108 Rev. 7-15 JUDICIAL BRANCH C.G.S. §§ 49-31k, 49-31l; P.A. 15-124 www.jud.ct.gov Instructions to Homeowner Applicant FMREQ 1. Use this form if 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 at www.jud.ct.gov) and file them with the court not more than 15 days after the return date on the Summons. *FMREQ* 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 (Plaintiff on Summons vs. Defendant on Summons) Docket number (To be filled in by court staff) Return date (On upper right portion of Summons) Judicial District of (On upper left portion of Summons) Your name Address (Number, street, town, state, zip code) Telephone number Business phone Cell phone ( ) ( ) ( ) A. If you are an individual, answer the following questions: 1. Do you own the property? Yes No 2. Do you live in the property? Yes No 3. Is it your primary residence? Yes No 4. Is it a 1, 2, 3 or 4 family residential property located in Connecticut? Yes No 5. Is this a mortgage foreclosure? Yes No 6. Are you a borrower on the note? Yes 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 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? Yes No 2. Is the property located in Connecticut? Yes No 3. Is the religious organization the borrower on the note? Yes No 4. Is the return date in the case on or after October 1, 2011? Yes No 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. Continued on next page... Print Form Page 1 of 2 Reset Form 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? Yes No 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) 3a. I became the only owner of the property when it was transferred to me from my deceased spouse's estate. 3b. I became the only owner of the property because my deceased spouse and I held joint title to the property. 3c. I 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: 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. 2. 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: 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. 3. 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: 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 information, and that the borrowers have shown their consent by (check any box that applies): Submitting a Foreclosure Mediation Certificate containing their consent, or 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 Date signed 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 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 of filer) Print or type name of person signing Date signed u Mailing address (Number, street, town, state and zip code) Telephone number Print Form Page 2 of 2 Reset Form FORECLOSURE MEDIATION NOTICE OF STATE OF CONNECTICUT COMMUNITY-BASED RESOURCES SUPERIOR COURT JD-CV-126 Rev. 10-19 JUDICIAL BRANCH C.G.S. §§ 49-31l, 49-31r www.jud.ct.gov 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 Español 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 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. County CHFA/HUD-Approved Housing Counseling Agency Phone Bridgeport Neighborhood Trust, 570 State Street, Bridgeport 203-290-4255 www.bntweb.org Fairfield Urban League of Southern Connecticut, Inc., 137 Henry Street, Stamford 203-327-5810 www.ulsc.org 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 203-562-0598 www.nhsofnewhaven.org Capital for Change, Inc., 171 Orange Street, 3rd Floor, New Haven 203-624-7406 New Haven www.capitalforchange.org Extension 1320 Neighborhood Housing Services of Waterbury, 193 Grand Street, 3rd Floor, Waterbury 203-753-1896 www.nhswaterbury.org 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. Print Form Reset Form 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 are 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-represented 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.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 www.jud.ct.gov, 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. Fee for 1/2 hour County Phone Website Email Consultation Fairfield 203-335-4116 $40 www.bridgeportbar.org LRService04@yahoo.com Hartford* 860-525-8106 $35 www.hartfordbar.org hcba@hartfordbar.org New Haven 203-562-5750 $35 www.newhavenbar.org LRS@newhavenbar.org New London 860-889-9384 $25 www.nlcba.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 1-866-683-1682 or go to www.workplace.org/mortgage-crisis-job-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 Print Form Reset Form FORECLOSURE MEDIATION NOTICE TO HOMEOWNER OR STATE OF CONNECTICUT RELIGIOUS ORGANIZATION SUPERIOR COURT (For cases with a Return Date of JUDICIAL BRANCH 10/1/2011 or later) www.jud.ct.gov JD-CV-127 Rev. 7-15 C.G.S. §§ 49-31I, 49-31k; PA 15-124 FMNORMR ADA NOTICE *FMNORMR* 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 l 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 l the mortgage on your owner-occupied residential property is being foreclosed; and l the property being foreclosed is your primary residence; and l the property is located in Connecticut; or 2. the property is owned by a religious organization that is the borrower, and is located in Connecticut. 3. 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. Print Form 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. § 49-31l 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. 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. 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 & 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 Print Form • 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 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. 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. Page 2 of 2 Print Form SUMMONS - CIVIL For information on STATE OF CONNECTICUT JD-CV-1 Rev. 2-22 ADA accommodations, C.G.S. §§ 51-346, 51-347, 51-349, 51-350, 52-45a, 52-48, 52-259; SUPERIOR COURT contact a court clerk or www.jud.ct.gov P.B. §§ 3-1 through 3-21, 8-1, 10-13 go to: www.jud.ct.gov/ADA. Instructions are on page 2. Select if amount, legal interest, or property in demand, not including interest and costs, is LESS than $2,500. Select if amount, legal interest, or property in demand, not including interest and costs, is $2,500 or MORE. Select if claiming other relief in addition to, or in place of, money or damages. TO: Any proper officer By authority of the State of Connecticut, you are hereby commanded to make due and legal service of this summons and attached complaint. Address of court clerk (Number, street, town and zip code) Telephone number of clerk Return Date (Must be a Tuesday) 1061 MAIN STREET, BRIDGEPORT, CT 06604 ( 203 ) 579 – 6527 March 5, 2024 Judicial District At (City/Town) Case type code (See list on page 2) G.A. Housing Session Number: Bridgeport, CT Major: P Minor: 00 For the plaintiff(s) enter the appearance of: Name and address of attorney, law firm or plaintiff if self-represented (Number, street, town and zip code) Juris number (if attorney or law firm) Locke Lord LLP, 20 Church Street, Hartford, CT 404401 Telephone number Signature of plaintiff (if self-represented) ( 860 ) 541 – 7740 The attorney or law firm appearing for the plaintiff, or the plaintiff if E-mail address for delivery of papers under Section 10-13 of the Connecticut Practice Book (if agreed) self-represented, agrees to accept papers (service) electronically in this case under Section 10-13 of the Connecticut Practice Book. Yes No tara.trifon@lockelord.com Parties Name (Last, First, Middle Initial) and address of each party (Number; street; P.O. Box; town; state; zip; country, if not USA) First Name: Deutsche Bank National Trust Company, as Indenture Trustee for Home Mortgage Investment Trust P-01 plaintiff Address: 2005-2, c/o Ocwen Loan Servicing, LLC, 1661 Worthington Rd., Suite 100, West Palm Beach FL 33409 Additional Name: P-02 plaintiff Address: First Name: Glenn L. Manigault D-01 defen