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Foreclosure Clarity · Connecticut foreclosure questions

Find free or public help

Who can I call for help with my mortgage?

Different helpers do different things. The servicer is the company you talk to about loan options. A HUD-approved housing counselor helps homeowners work with a servicer. Some state agencies and court programs offer specific kinds of help. An attorney gives advice about an individual situation. Below, each is listed with what it can and cannot do, and when we last checked.

What kind of help do you need?

Pick the situation closest to yours. The list below changes to show the helpers that fit. Picking one does not decide whether you qualify for anything. You can change your pick at any time.

The picker needs JavaScript. Without it, every listing is shown below.

Foreclosure Clarity lists help in three groups.

For each listing we show what it can help with, what it cannot do, who it serves or what it costs as its own source says, how to reach it, the official source, and the date we last checked. We use each source's own words about cost. "Free," "no cost," and "low cost" mean different things to different programs, so we do not use one word for all of them. Nothing here is a recommendation. Foreclosure Clarity does not run these programs.

Phone numbers, hours, and programs change. Check with the program before you rely on a number or a time.

When official sources disagree about a phone number, hours, or what a program does, we do not pick one. We leave that detail out and say so.

Mortgage and housing help

People and programs that talk with you about your loan: your mortgage servicer, HUD-approved housing counseling, help lines, and state and federal agencies.

Your mortgage servicer

Private company (loan servicer)

What it can help with
Talk with you about your loan, explain which help options (called loss mitigation) may be available for your loan, and tell you what a complete application needs. Federal servicing rules also require covered servicers to try to reach a borrower who has fallen behind and to send a written notice.
What it cannot do
A servicer does not have to offer any particular help option. The owner of the loan affects which options exist. The servicer is the other side of the loan, not a neutral advisor, and not a source of legal advice. Some small servicers, reverse mortgages, and loans that are not on a principal residence are treated differently under the federal rules.
Who it serves, or what it costs, as its own source says
Federal servicing procedures generally cover loans on a borrower's principal residence. No fee is described by the sources for talking with your servicer.
How to reach it
Use the phone number on your monthly statement or notice.
Website: consumerfinance.gov
Last checked
October 2, 2026

HUD-approved housing counseling (national line)

Federal program (HUD-approved nonprofit agencies)

What it can help with
Counselors at HUD-approved agencies can help you understand your options, organize your finances, and talk with your servicer. HUD directs homeowners at risk of foreclosure to call this line or use its counselor finder.
What it cannot do
A counselor cannot promise you will keep your home (CFPB). HUD does not describe counseling as legal advice or legal representation. CFPB notes that if you have been served with legal papers, you might also need to talk with an attorney.
Who it serves, or what it costs, as its own source says
HUD says it funds free or very low-cost housing counseling.
How to reach it
Phone: 800-569-4287 (as listed on the source page)
A TTY number is not shown because HUD's pages list more than one. Use HUD's website to find it.
Website: hud.gov
Last checked
October 2, 2026

Connecticut HUD-approved counseling agencies (CHFA participating list)

Nonprofit housing counseling agencies

What it can help with
CHFA says homeowners facing default or foreclosure can enroll in one-on-one foreclosure prevention counseling, in which a housing counselor works with you to address finances and negotiate a plan with your lender. The court's resource notice says counselors can help you get ready for mediation and help you submit financial documents to your mortgage company.
What it cannot do
No source reviewed describes these agencies as giving legal advice or legal representation.
Who it serves, or what it costs, as its own source says
CHFA says one-on-one counseling with participating agencies is free of charge and that any Connecticut homeowner facing default or foreclosure is eligible to register. The court's notice says you do not need to use the agency closest to you.
How to reach it
Official Connecticut lists give different agencies and different phone numbers for the same agencies. Even CHFA's own pages disagree on several numbers.
Agency sets differ across sources; Foreclosure Clarity does not publish a list until each agency is confirmed.
Official source
CHFA: Foreclosure Prevention Resources (undated, (c) 2026)
Last checked
October 2, 2026

Homeowner's HOPE Hotline (995Hope)

Nonprofit-operated hotline (named by HUD and CFPB)

What it can help with
Phone counseling for homeowners who have fallen behind on housing payments or face foreclosure. The hotline's own site says counselors can help you build an action plan and can join a call with your mortgage company, and that help is available in more than 200 languages. HUD and CFPB direct homeowners to it.
What it cannot do
It is not a government agency. Its own pages do not say it gives legal advice or legal representation, and they say outcomes depend on many factors.
Who it serves, or what it costs, as its own source says
The hotline's own site describes the counseling as free. Its site says it serves homeowners who have fallen behind in housing payments or face foreclosure or eviction.
How to reach it
Phone: 888-995-HOPE (4673) (as listed on the source page)
Sources describe the hours differently. No hours are shown.
Website: 995hope.org
Last checked
October 2, 2026

Connecticut Department of Banking Foreclosure Hotline

State agency (Connecticut Department of Banking)

What it can help with
The Department of Banking says the hotline gives advice and guidance on mortgage issues and foreclosure cases and shares information on state and federal programs. Connecticut law directs people who are parties to a foreclosure action with time-sensitive foreclosure concerns to call it (CGS 49-31r).
What it cannot do
The Department of Banking says it is not authorized to provide legal advice or to represent individuals in private litigation.
Who it serves, or what it costs, as its own source says
Open to Connecticut homeowners per the Department's page. The page does not state a fee.
How to reach it
Phone: 1-877-472-8313 (as listed on the source page)
Official source
Connecticut Department of Banking: Avoiding Foreclosure (undated; footer (c) 2016)
Last checked
October 2, 2026

Connecticut Department of Banking mortgage and foreclosure complaints

State agency (Connecticut Department of Banking)

What it can help with
The Department accepts complaints against lenders and mortgage servicers about mortgage modification, risk of delinquency, default, and judicial foreclosure of a mortgage on a primary residence in Connecticut. It suggests trying the lender or servicer first and says you can check whether a company is licensed using NMLS Consumer Access.
What it cannot do
The Department says it cannot provide legal advice, intervene in private litigation, or represent individuals. It accepts complaints only about companies it regulates. Non-mortgage foreclosures (for example condominium, tax, or water and sewer liens) have a separate page.
Who it serves, or what it costs, as its own source says
Primary residence in Connecticut. No fee is stated.
How to reach it
Phone number not shown until it is re-checked.
Official source
Connecticut Department of Banking: Foreclosure complaints (undated)
Last checked
October 2, 2026

CHFA Emergency Mortgage Assistance Program (EMAP)

State housing finance agency (Connecticut Housing Finance Authority)

What it can help with
CHFA says EMAP may provide emergency mortgage or lien assistance to eligible homeowners who have fallen behind, or expect to fall behind, because of a financial hardship beyond their control. Connecticut law also sets a notice process and a 30-day CHFA review period for covered mortgages. See the EMAP summary for the plain-language explanation.
What it cannot do
EMAP is a loan, not a grant. CHFA says it is a mortgage with a lien on the property, with repayment deferred under CHFA's description. It is not for everyone and not guaranteed. Funding is 'within available funds,' and CHFA can stop taking applications if funds run out.
Who it serves, or what it costs, as its own source says
Eligibility tests apply (hardship, owner-occupancy, asset disclosure, credit history, ability to sustain payments). CHFA says applicants who received a notice to foreclose must first work with their lender, and that written proof of contact with the lender is needed. Foreclosure Clarity does not say who qualifies or which hardships count.
How to reach it
Official sources list different phone numbers for this program, and we could not confirm whether it is open. Check CHFA's website or ask your lender or counselor.
Open or funded status could not be confirmed.
Website: chfa.org
Last checked
October 2, 2026

Consumer Financial Protection Bureau: mortgage help and complaints

Federal agency (CFPB)

What it can help with
Plain-language guides on working with your servicer and avoiding foreclosure, scam warning signs, a tool to find a HUD-approved housing counselor, and a complaint process for problems with a mortgage servicer.
What it cannot do
General consumer information. The pages do not describe individual legal advice or representation.
Who it serves, or what it costs, as its own source says
Public. No fee is stated for guides or complaints.
How to reach it
Phone: 855-411-2372 (as listed on the source page)
Website: consumerfinance.gov
Last checked
October 2, 2026

2-1-1 Connecticut

Information and referral line (United Way of Connecticut)

What it can help with
2-1-1's own site describes a free, confidential information and referral service, available 24 hours a day, seven days a week, online and by phone. The court's foreclosure cover notice (JD-CV-103) tells homeowners they may call 2-1-1 for other help.
What it cannot do
Information and referral only.
Who it serves, or what it costs, as its own source says
2-1-1's own site describes the service as free and confidential.
How to reach it
Phone: 2-1-1 (as listed on the source page)
Website: uwc.211ct.org
Last checked
October 2, 2026

Connecticut Attorney General: mortgage assistance scams

State agency (Office of the Attorney General)

What it can help with
Information about mortgage assistance scams and a way to file a consumer complaint through the Consumer Assistance Unit. The Attorney General's page says you should never pay or surrender anything up front when a company or person offers to fix your mortgage.
What it cannot do
The Attorney General's office says it represents the public interest, not individuals, and cannot provide legal advice.
Who it serves, or what it costs, as its own source says
Public. No fee is stated.
How to reach it
Phone number not shown until it is re-checked.
Official source
Connecticut Attorney General: Mortgage Assistance Scams (undated)
Last checked
October 2, 2026

Federal Trade Commission: mortgage relief scams

Federal agency (FTC)

What it can help with
Explains warning signs of mortgage relief scams and the Mortgage Assistance Relief Services (MARS) Rule, including that it is illegal for a company to charge until it has given you a written offer from your lender that you accept. Says where to report.
What it cannot do
General consumer information.
Who it serves, or what it costs, as its own source says
Public. No fee is stated.
How to reach it
Website: consumer.ftc.gov
Last checked
October 2, 2026
Need help sorting out who is who?

These words show up on letters, court papers, and phone calls. They are not always the same company or person, so check each document.

Servicer. The company that collects your mortgage payments and handles your loan day to day. The phone number on your monthly statement is the servicer's number. This is who you talk to about payment help.

Lender or bank. The company that made your loan, or the company that owns it now. The owner of the loan can be a different company from your servicer. The owner affects which help options exist, and the servicer works within that.

Plaintiff. In a foreclosure court case, the plaintiff is the party that started the case. The summons names the plaintiff and its attorney. The name can be different from the name on your statement.

State marshal. An officer who delivers court papers such as a summons and complaint. Papers can be handed to you or left at your home. Whether papers were delivered properly is a legal question for individual review.

Court clerk. The staff of the court where the case is pending. The clerk's office keeps the court file and takes filings. The summons shows the clerk's address. The Judicial Branch says court staff give information about court procedure, not legal advice.

Court Service Center. A help desk in many courthouses for people handling a case without an attorney. Staff can help with court forms, e-filing, and calendar and docket information. The Judicial Branch says staff give information, not legal advice. Hours and locations vary, so check before you go.

HUD-approved housing counselor. A counselor at a nonprofit agency approved by HUD, the U.S. Department of Housing and Urban Development. A counselor can explain options and help you talk with your servicer. A counselor cannot promise you will keep your home. HUD is a federal agency. The counselors work at separate agencies. CFPB notes that if you have been served with legal papers, you might also need to talk with an attorney.

Not sure whether a letter means a court case? A letter is not the same as a court case

Connecticut's EMAP is a CHFA loan program, not a grant. Eligibility and funding limits apply.

Court and legal-information help

Court pages and staff, court programs, and nonprofit legal-information services. The Judicial Branch says court staff give information, not legal advice.

Connecticut Judicial Branch Superior Court Case Look-up

Court system (Connecticut Judicial Branch)

What it can help with
Check whether a case has been filed by party name, docket number, property address (summary process and foreclosure only), or attorney number. See filings and scheduled dates, plus short calendars.
What it cannot do
The site says you are responsible for verifying what you find against the official court record. A search that finds nothing does not prove no case exists. Property-address search for foreclosure covers cases filed on or after January 1, 2014.
Who it serves, or what it costs, as its own source says
Public. No fee is stated.
How to reach it
Website: civilinquiry.jud.ct.gov
Last checked
October 2, 2026

Judicial Branch list of pending foreclosure sales

Court system (Connecticut Judicial Branch)

Details
We are re-checking this listing, so its details are not shown yet.
Who it serves, or what it costs, as its own source says
Public.
Official source
Judicial Branch pending foreclosure sales by town
Last checked
October 2, 2026

Judicial Branch foreclosure forms for defendants

Court system (Connecticut Judicial Branch)

What it can help with
Official forms and instructions for people defending a foreclosure case, including the Appearance form (JD-CL-12) and the Foreclosure Mediation Certificate (JD-CV-108), and the foreclosure mediation forms list.
What it cannot do
Forms pages do not give legal advice. Which form to file, and when, depends on the case, and the court papers control.
Who it serves, or what it costs, as its own source says
Public. No fee is stated for the forms pages.
How to reach it
Website: jud.ct.gov
Last checked
October 2, 2026

Court clerk's office (Foreclosure Clerk)

Court (clerk's office)

What it can help with
The clerk's office takes filings and keeps the court file for the case. It can give information about court procedure. The summons lists the clerk's address, and the court's cover notice points homeowners to the Foreclosure Clerk, the Foreclosure Mediation Caseflow Coordinator, or a Court Service Center in the court where the case was filed.
What it cannot do
The Judicial Branch says court staff give information only, not legal advice. Staff cannot decide your case.
Who it serves, or what it costs, as its own source says
Public. No fee is stated for asking about procedure.
How to reach it
Use the clerk's phone number printed on your summons.
Official source
Summons JD-CV-1 (clerk address and phone fields); cover notice JD-CV-103; Judicial Branch Representing Yourself FAQ
Last checked
October 2, 2026

Court Service Centers

Court system (Connecticut Judicial Branch)

What it can help with
Court-run help desks that, per the Judicial Branch, offer services for self-represented parties: court forms, public computers, e-filing help, copier and fax, phone, notary, and calendar and docket information. Staff can help you find and use court resources.
What it cannot do
Staff give information only, not legal advice (Judicial Branch). They cannot decide your case.
Who it serves, or what it costs, as its own source says
Open to the public. No fee for information is stated.
How to reach it
Phone numbers and hours are not shown. Check the Judicial Branch website or call before you go.
Hours are not shown. Call or check the Judicial Branch website before you go.
Location list is not shown until it is confirmed.
Official source
Judicial Branch: Court Service Centers (page last modified 2025-11-04); locations page (last modified 2026-03-02)
Last checked
October 2, 2026

Judicial Branch Foreclosure Mediation Program

Court program (Connecticut Judicial Branch)

What it can help with
The Judicial Branch runs this program. A mediator helps an eligible homeowner and the lender talk and try to reach an agreement. See the foreclosure mediation section for what it does and does not do and how to ask for it.
What it cannot do
See the foreclosure mediation section for what it does and does not do. It starts only after a foreclosure case has been filed.
Who it serves, or what it costs, as its own source says
The Judicial Branch says there is no application fee. Eligibility rules apply; see the foreclosure mediation section. Foreclosure Clarity does not say whether any person qualifies.
How to reach it
No separate public phone number for the program was found. Ask the clerk, the Foreclosure Mediation Caseflow Coordinator, or a Court Service Center in the court where the case was filed.
Official source
Judicial Branch Foreclosure Mediation Program homeowner FAQ (page last modified 2026-03-02); CGS 49-31k to 49-31v
Last checked
October 2, 2026

CTLawHelp.org

Nonprofit legal-information portal (joint site of several legal aid programs)

What it can help with
A joint website of several Connecticut legal aid programs with legal information and self-help guides, and links to legal aid programs.
What it cannot do
Information, not individualized advice. We could not confirm what the foreclosure guide on the site covers.
Who it serves, or what it costs, as its own source says
The site says it offers free legal help to people who cannot afford a lawyer. Reading the guides is free. We could not confirm that this includes mortgage foreclosure.
How to reach it
Website: ctlawhelp.org
Official source
CTLawHelp.org
Last checked
October 2, 2026

Connecticut has a Judicial Branch foreclosure mediation program for eligible owner-occupants. It is requested separately from an Appearance, it does not by itself stop a case, and the lender does not have to change the loan.

Private legal help

These are separate from free or public help. Attorneys charge fees. Some offer a free or low-cost first meeting.

Attorneys you hire, and the referral services that connect you with them. Attorneys charge fees, though some offer a free or low-cost first meeting. This group also lists public pages for checking an attorney's license. It is listed apart from public help on purpose.

Private foreclosure attorney (what to expect)

Private attorneys (category, not a listing)

What it can help with
The Judicial Branch says lawyers can explain the laws, help you evaluate your options, negotiate or mediate conflicts, prepare documents, and represent you in court. Many offer a free or minimal-fee first consultation.
What it cannot do
Fees apply for further work. The FTC says a reputable lawyer does not guarantee results. Foreclosure Clarity does not recommend or rank attorneys.
Who it serves, or what it costs, as its own source says
Fee-based. Terms vary by attorney. Ask about fees in writing. See the scam warning before paying anyone up front.
Last checked
October 2, 2026

Bankruptcy attorney (when bankruptcy is the issue)

Private attorneys (category, not a listing)

What it can help with
Bankruptcy is a federal court process with its own lawyers. A bankruptcy attorney can review whether and how bankruptcy might apply to a person's situation. How bankruptcy affects a foreclosure depends on the facts.
What it cannot do
Foreclosure Clarity does not say whether bankruptcy would help or not. Fees apply. Foreclosure Clarity does not recommend or rank attorneys.
Who it serves, or what it costs, as its own source says
Fee-based. Terms vary by attorney.
Last checked
October 2, 2026

Connecticut Bar Association: public legal resources and lawyer referral

Professional association (Connecticut Bar Association)

What it can help with
The Association's public page lists county lawyer referral services and other legal help programs. It also lists a member service line, which the Judicial Branch attorney FAQ gives as the number for fee arbitration.
What it cannot do
The Association says: 'The CBA cannot provide you with a free attorney to represent you or go to court with you.' It says its referral services are not free or volunteer services and that you will have to pay an attorney to represent you.
Who it serves, or what it costs, as its own source says
Referral service fees are set by each county bar. See the county listings.
How to reach it
Phone: 860-223-4400 (as listed on the source page)
Website: ctbar.org
Last checked
October 2, 2026

Hartford County Bar Association Lawyer Referral Service

County bar association (fee-based referral service)

What it can help with
Introduces homeowners to private lawyers for an initial half-hour consultation. The Department of Banking page says it also covers Litchfield, Middlesex, Tolland, and Windham counties.
What it cannot do
It is a paid referral service, not legal aid. Services beyond the first half hour are at the attorney's usual fee. Foreclosure Clarity does not recommend any attorney or firm.
Who it serves, or what it costs, as its own source says
Fee not confirmed. No amount is shown.
How to reach it
Official sources list different phone numbers for this referral service, and the fee is not confirmed. Check the Hartford County Bar Association's website.
Website: hartfordbar.org
Last checked
October 2, 2026

New Haven County Bar Association Lawyer Referral Service

County bar association (fee-based referral service)

What it can help with
Introduces homeowners to private lawyers. The county bar's own page describes a consultation of up to 30 minutes.
What it cannot do
It is a paid referral service, not legal aid. Foreclosure Clarity does not recommend any attorney or firm.
Who it serves, or what it costs, as its own source says
Fee-based. The county bar's page describes a non-refundable processing fee and a consultation of up to 30 minutes. Fees differ by source, so we do not show an amount. Ask the referral service about its fee before you book.
How to reach it
Phone: 203-562-5750 (as listed on the source page)
Wording differs across sources; amount not published.
Website: newhavenbar.org
Last checked
October 2, 2026

New London County Bar Association Lawyer Referral Service

County bar association (fee-based referral service)

What it can help with
Introduces homeowners to private lawyers.
What it cannot do
The county bar's page says it does not provide pro bono or income-based assistance and points people who need legal aid to a legal aid program. It is a paid referral service, not legal aid. Foreclosure Clarity does not recommend any attorney or firm.
Who it serves, or what it costs, as its own source says
Fee-based. Fees differ by source, so we do not show an amount. Ask the referral service about its fee before you book.
How to reach it
Phone: 860-889-9384 (as listed on the source page)
Three different amounts across sources.
Website: nlcba.org
Last checked
October 2, 2026

Judicial Branch Attorney/Firm Look-up

Court system (Connecticut Judicial Branch)

What it can help with
Check whether a Connecticut attorney is licensed. Search by juris number, name, or town.
What it cannot do
A license check does not tell you whether an attorney is a good fit for your case, and Foreclosure Clarity does not rank or recommend attorneys.
Who it serves, or what it costs, as its own source says
Public. No fee is stated.
How to reach it
Website: lookup.jud.ct.gov
Last checked
October 2, 2026

Statewide Grievance Committee

Court system (Connecticut Judicial Branch)

What it can help with
Check an attorney's licensing and discipline history. The Judicial Branch attorney FAQ also explains how to make a complaint about an attorney.
What it cannot do
It does not recommend attorneys. Foreclosure Clarity does not rank or recommend attorneys.
Who it serves, or what it costs, as its own source says
Public. No fee is stated.
How to reach it
Website: jud.ct.gov
Last checked
October 2, 2026

Talking with an attorney

An attorney can look at your papers and your facts and give advice about your situation. The Judicial Branch says lawyers can explain the laws, help you weigh your options, negotiate or mediate, prepare documents, and represent you in court. Some offer a free or low-cost first meeting.

Questions that usually need individual review

  • Whether papers were served properly
  • What defenses or claims to raise, and what to put in an answer
  • Whether to file a particular motion, including a motion to open a judgment
  • Whether to appeal
  • Whether bankruptcy fits your situation, and its timing
  • Servicemember protections
  • Whether EMAP or mediation rules were followed or apply
  • Questions about title, possession, or what you may owe or be owed after a sale

You do not always need an attorney. The court's own notice lists several places to start: an attorney, the Foreclosure Clerk, or a Court Service Center. Some people handle parts of their case themselves. Some attorneys offer help with only part of a matter, which is called limited-scope help. Ask what is included.

Cost. Attorneys charge fees and set their own terms. Ask about fees in writing. County bar lawyer referral services are paid referrals. They are not legal aid. The Connecticut Bar Association says it cannot provide you with a free attorney to represent you. Some public and nonprofit programs offer advice from attorneys. Advice is not the same as representation.

Before you hire. You can check whether a Connecticut attorney is licensed and whether there is a discipline history using the Judicial Branch tools on the help page. Be careful with anyone who asks for money up front before you meet. See the scam warning.

Foreclosure Clarity does not rank, rate, or recommend attorneys, and being listed anywhere on this site is not an endorsement.

Talk with an attorney

Watch for scams

People in trouble with a mortgage are often targeted by scams. These are warning signs.

  • You are asked to pay up front for help.
  • The company guarantees it will change your loan terms, or guarantees you will not lose your home.
  • You are told to stop paying your mortgage, or to stop talking to your lender.
  • You are told to send your payment to someone other than your lender or servicer.
  • You are asked to sign over the title to your home, transfer the deed, or sign papers you do not understand.
  • The company offers a "forensic audit" of your loan.
  • The company says it is part of the government, or uses a logo that looks like a government seal.
  • You feel pressure to decide quickly.
  • A mailer pushes you to join a group lawsuit.

What the rules say about fees

  • A federal rule says a company that offers mortgage relief cannot charge you until it has given you a written offer from your lender, and you have accepted it.
  • In Connecticut, a company that charges a fee for foreclosure rescue or debt negotiation services must be licensed.
  • It cannot take a fee until it has done the service.
  • There are exceptions. They include Connecticut attorneys working as part of representing a client, and some nonprofits.

About lawyers

Federal guidance says a lawyer can ask for money up front only if all of these are true:

  • The lawyer is licensed in your state.
  • The lawyer is doing real legal work for you.
  • The lawyer follows the ethics rules for lawyers.
  • The lawyer keeps your money in a client trust account.

A Connecticut Department of Banking page and a court notice (JD-CV-126) also say you should never pay an attorney you have not met.

The court's own notice says:

  • Do not sign papers you do not understand.
  • Get legal advice before you make any deal about your house.
  • Get legal advice before you pay anyone who offers to help you avoid foreclosure.

To check or report

The Connecticut Department of Banking can tell you whether a company is licensed, and it takes complaints. You can also report to the Connecticut Attorney General, the Consumer Financial Protection Bureau, and the Federal Trade Commission. See the help page for contact details.

Sources and last checked

Sources are listed below. We last checked them on October 2, 2026.

Resource information can change. Phone numbers, hours, and programs change. Check with the program before you rely on one. We last checked each listing on October 2, 2026, by reading the page named as its source. We did not call the numbers.

Show the 50 sources