Carl Guild - Central Connecticut Real Estate

Are you facing foreclosure on your primary residence? If so, here is the information you need:

What is the Foreclosure Mediation Program?
The Foreclosure Mediation Program has been set up to assist any homeowner/borrower whose one-to-four family, owner-occupied, residential property is the subject of a mortgage foreclosure action. The property must be located in the state of Connecticut and be the homeowner’s primary residence. The homeowner will meet with a mediator and the lender to try to reach an agreement.

What is mediation?
Mediation is a process by which a neutral third party (mediator) assists the homeowner and lender in reaching a fair, voluntary, negotiated agreement. The mediator does not decide who is right or wrong.

Who are the mediators?
The foreclosure mediators are Judicial Branch employees who are trained in mediation and foreclosure law. The mediators have knowledge of different community-based resources and mortgage assistance programs.

How do I qualify for foreclosure mediation?
The one-to-four family residential property that is being foreclosed must be the primary residence of the homeowner, and the homeowner must be the borrower. The mortgage foreclosure action must have a return date on or after July 1, 2008.

How do I apply for foreclosure mediation?
The homeowner/borrower must file a Foreclosure Mediation Request form (JD-CV-93), and an Appearance form (JD-CL-12). These forms must be filed not more than fifteen (15) days after the return date on the Summons unless extended by the Court. Forms are available at any Superior Court Clerk’s Office, Court Service Center or online at www.jud.ct.gov.

Do I need a lawyer to participate in the Foreclosure Mediation Program?
No, you do not have to be represented by an attorney to participate in this program.

Do all borrowers who signed the mortgage need to attend the mediation session?
Yes, all borrowers must be present at the mediation session; for example, if a husband and wife signed the mortgage then both will need to be present for the mediation.

Am I required to participate in mediation?
No, participation is voluntary for the homeowner/borrower.

Is there an application fee?
There is no application fee for this program.

Is the mediation confidential?
Yes, any discussions in the mediation session are confidential.

What do I need to bring to the mediation session?
- Proof of income, if employed; for example, a current pay stub;
- A list of your expenses;
- Copies of any completed application(s) for mortgage or financial assistance; and
- Any other information that may be helpful.

Where will the mediation session be held?
The mediation session(s) will be held at courthouses located throughout the State.

Does this mean that I won’t lose my house due to foreclosure?
Filing a Foreclosure Mediation Request does not stop or suspend the foreclosure action. The homeowner/borrower is required to respond to
the foreclosure action and may still be at risk of losing their property to foreclosure.

For more details visit www.jud.ct.gov

There are openings for children ages 3 and 4 in the KinderRHAMa preschool program, held at RHAM High School, 85 Wall St, Hebron. This program is sponsored by AHM Youth Services and RHAM High School, and is for children ages 3-4 from the towns of Andover, Hebron and Marlborough. The program is held for 10 months, September through June, and follows the school calender of holidays, The 2 day a week program is $95/month and the 3 day a week program is $143/month. parents are responsible for transportation. Children must be completely toilet trained to participate. For more information, call 228-9488.

The Colchester Fish & Game Club will hold its annual Clam Bake, Sat Aug 23 starting about noon at the club. There will be clam chowder, steamers, hamburgers and hot dogs all day. There will also be plenty of games including volleyball, horseshoes and activities for the kids. This picnic is open to the public-all are welcome. Dinner Will be served at about 5:30 pm and includes a choice of steak or lobster with boiled red potatoes, corn on the cob, salad and more. Tickets are $30 and available now at the clubhouse, Advanced purchase is recommended. For more information or directions, call 537-2593.

On Sunday Aug 17 from 3:30-6:30 pm the Ahavath Achim Synagogue on Lebanon Ave in Colchester, will hold a Chicken BBQ. This complete chicken dinner includes half a kosher chicken, a baked potato, cole slaw, a roll and dessert for $10. The BBQ chicken is prepared with the same "secret" marinade that has been used for the past 40 years. The public is welcome to either eat in the synagogue hall, pick up their dinners at the drive through (in the rear of the building) or have their dinner delivered. Call 537-2809 to reserve dinners, or for in town delivery. Soda or bottled water is available for $1. Free coffee is available for those dining in the social hall.

A breakfast will be held at Fowler-Dix-Park VFW Post 5095 located at 20 North Maple St, East Hampton, CT on Sunday Aug 17 from 8-11am. Breakfast consists of eggs, pancakes, bacon, sausage, home fires, toast, coffee, juice & fruit. Cost is $6 per person and all are welcome to attend. Al;l profits will be used to assist an individual in distress. For more information, contact the post at 267-8837 after 3pm Mondays through Fridays or after noon on Saturdays and Sundays.