Connecticut homeowners have 30 calendar days to file an Answer in CT Superior Court. CT uses both strict foreclosure and foreclosure by sale. Here is how to respond.
Connecticut is a judicial foreclosure state with a unique dual system: strict foreclosure (title vests directly in lender) and foreclosure by sale (auction). File your Answer in CT Superior Court within 30 days. CT also has a foreclosure mediation program.
30 Days — CT Practice Book § 10-8
File within 30 calendar days. Respond to each allegation. Include special defenses.
Request Mediation + File Special Defenses
CT has a robust foreclosure mediation program. Request it. Special defenses: lack of standing, statute of limitations, improper service, TILA/RESPA.
| Deadline | 30 calendar days |
| Court | CT Superior Court, Judicial District of property |
| Mediation | Foreclosure Mediation Program — request it |
| Filing Fee | None for Answer |