Connecticut General Statutes
Chapter 846 - Mortgages
Section 49-15. - Opening of judgments of strict foreclosure.

(a)(1) Any judgment foreclosing the title to real estate by strict foreclosure may, at the discretion of the court rendering the judgment, upon the written motion of any person having an interest in the judgment and for cause shown, be opened and modified, notwithstanding the limitation imposed by section 52-212a, upon such terms as to costs as the court deems reasonable, provided no such judgment shall be opened after the title has become absolute in any encumbrancer except as provided in subdivision (2) of this subsection.

(2) Any judgment foreclosing the title to real estate by strict foreclosure may be opened after title has become absolute in any encumbrancer upon agreement of each party to the foreclosure action who filed an appearance in the action and any person who acquired an interest in the real estate after title became absolute in any encumbrancer, provided (A) such judgment may not be opened more than four months after the date such judgment was entered or more than thirty days after title became absolute in any encumbrancer, whichever is later, and (B) the rights and interests of each party, regardless of whether the party filed an appearance in the action, and any person who acquired an interest in the real estate after title became absolute in any encumbrancer, are restored to the status that existed on the date the judgment was entered.
(3) If a judgment is opened pursuant to this subsection, the person who filed the written motion pursuant to subdivision (1) of this subsection shall record a certified copy of the court's order to open such judgment on the land records in the town in which the real estate is situated.
(b) Upon the filing of a bankruptcy petition by a mortgagor under Title 11 of the United States Code, any judgment against the mortgagor foreclosing the title to real estate by strict foreclosure shall be opened automatically without action by any party or the court, provided, the provisions of such judgment, other than the establishment of law days, shall not be set aside under this subsection, provided no such judgment shall be opened after the title has become absolute in any encumbrancer or the mortgagee, or any person claiming under such encumbrancer or mortgagee. The mortgagor shall file a copy of the bankruptcy petition, or an affidavit setting forth the date the bankruptcy petition was filed, with the clerk of the court in which the foreclosure matter is pending. Upon the termination of the automatic stay authorized pursuant to 11 USC 362, the mortgagor shall file with such clerk an affidavit setting forth the date the stay was terminated.
(1949 Rev., S. 7196; 1967, P.A. 286; P.A. 75-11; P.A. 79-602, S. 75; P.A. 02-93, S. 2; P.A. 03-202, S. 9; P.A. 04-127, S. 6; 04-257, S. 76; P.A. 09-209, S. 37.)
History: 1967 act deleted provision which specified that modification of foreclosure judgment is to be made “at the same term or the term next following that at which it was rendered”; P.A. 75-11 specified that modification of judgment may be made “notwithstanding that the term of court may have expired”; P.A. 79-602 replaced reference to expiration of term of court with reference to limitation imposed by Sec. 52-212a; P.A. 02-93 designated existing provisions as Subsec. (a) and added Subsec. (b) re automatic opening of judgment of strict foreclosure upon the filing of a bankruptcy petition by the mortgagor, effective June 3, 2002; P.A. 03-202 amended Subsec. (b) by adding provisions re the filing of a copy of the bankruptcy petition and affidavits by the mortgagor; P.A. 04-127 amended Subsec. (b) by deleting reference to Chapter 13 and making a technical change; P.A. 04-257 made a technical change in Subsec. (b), effective June 14, 2004; P.A. 09-209 designated existing provisions of Subsec. (a) as Subsec. (a)(1), added Subsec. (a)(2) and (3) re opening judgments of strict foreclosure, and made technical changes.
Error in opening judgment after law day may be waived. 115 C. 623. Petition for new trial by way of equitable relief after law day has passed. 118 C. 226; 128 C. 700. Plaintiff may move to open judgment if appropriation on day prejudicial or undesirable. 120 C. 26. Reopening as affected by bankruptcy proceedings; whether or not “term” is construed to mean “session” immaterial. 123 C. 9. Denial of motion to reopen correct when title had become absolute in plaintiff. 124 C. 610. In absence of waiver, reopening after law day erroneous. 128 C. 700. Cited. 130 C. 77. Title held not absolute in any encumbrancer so as to nullify court's right to open judgment. 137 C. 277. Cited. 179 C. 246; 181 C. 141; Id., 367; 187 C. 333; 193 C. 128; 216 C. 341; 219 C. 314. Appellate Court should have found abuse of discretion in trial court's refusal to implement purpose of statute; judgment of Appellate Court in 25 CA 688 reversed. 225 C. 105. Section did not deprive trial court of jurisdiction to exercise its equitable discretion to open the judgment of strict foreclosure to correct an inadvertent omission in mortgage foreclosure complaint. 244 C. 251.
Cited. 3 CA 508; 10 CA 160; 20 CA 163; 22 CA 396; Id., 468; 24 CA 42; Id., 469; Id., 688; 29 CA 508; Id., 541; Id., 628; 30 CA 541; 31 CA 1; Id., 80; Id., 621; 33 CA 401; 40 CA 115; 44 CA 588. Trial court action will not be disturbed on appeal unless a clear abuse of discretion. 48 CA 807. Legislature intended the phrase “after the title has become absolute in any encumbrancer,” to contemplate period commencing immediately after cessation of last day on which another party may redeem, not a full business day later. 66 CA 606. Trial court incorrectly determined that section prevented plaintiff from obtaining a judgment of strict foreclosure on second property absent a motion to open the judgment of strict foreclosure, and nothing in text of section prohibits plaintiff from proceeding on portion of complaint that remained after partial judgment of strict foreclosure. 105 CA 806. Under Subsec. (a), because title to the subject property had become absolute in plaintiff, the court did not have authority to grant defendant's motion to open the judgment of strict foreclosure without a specific finding that it lacked personal jurisdiction over defendant. 129 CA 429. Where proceeding was equitable in nature, parties had notice of pending motions, and court pronounced an order to stay the law days, court had authority to open judgment despite court clerk's failure to issue notice of the order to stay. 131 CA 471. Subsec. (a)(1) permits the court, in its discretion, upon a finding of cause shown, to open and modify a judgment of strict foreclosure upon the motion of the mortgagor at any time after judgment has been rendered, so long as the law days have not passed. 160 CA 49. Law day valid where law day fell on same day as final day to timely appeal denial of motion to reopen because right to appeal ended at 5:00 pm and right to redeem ended at midnight, and thus did not shorten the time period in which to appeal. 184 CA 356.
Rule of 120 C. 16 discussed. 2 CS 55. Action to open judgment of foreclosure is precluded if title has vested in defendant. 14 CS 311. While motion to open judgment after title had become absolute in tax lienor town must be denied, foreclosed heirs may bring action in equity for relief from operation of judgment where enforcement of it would be against conscience. 27 CS 504.

Structure Connecticut General Statutes

Connecticut General Statutes

Title 49 - Mortgages and Liens

Chapter 846 - Mortgages

Section 49-1. - When foreclosure a bar to further action on debt.

Section 49-2. - Inclusion of taxes and other items as part of mortgage debt. Open-end mortgage. Reverse annuity mortgage. Negative amortization.

Section 49-2a. - Interest on funds held in escrow for payment of taxes and insurance.

Section 49-2b. (Formerly Sec. 37-10). - Interest on escrow accounts; regulations of Banking Commissioner.

Section 49-2c. - Exceptions.

Section 49-3. - Mortgage securing future advancements.

Section 49-4. - Mortgages by U.S. government and certain credit associations and banks to secure future advancements.

Section 49-4a. - Open-end mortgages, United States or its instrumentalities and certain banks authorized to hold.

Section 49-4b. - Open-end mortgage as security for guaranty of an open-end loan. Mortgage deed requirements. Description of loan and secondary liability.

Section 49-4c. - Mortgage as security for obligations under an electricity purchase agreement.

Section 49-5. - Mortgages on property of public service companies.

Section 49-5a. - Master mortgage recording.

Section 49-5b. - Required information in a mortgage contingency clause.

Section 49-6. - Trust mortgages.

Section 49-6a. - Definitions. Interim financing policy disclosure required.

Section 49-6b. - Definitions.

Section 49-6c. - Notice of late fee required. Exception.

Section 49-6d. - Legal representation.

Section 49-7. - Agreements concerning expenses and attorneys' fees.

Section 49-7a. - Lenders prohibited from requiring multiple original notes.

Section 49-7f. - Mortgage brokers and lenders prohibited from referring buyers of real property to a real estate broker, salesperson or attorney for a fee or commission. Suspension or revocation of licenses.

Section 49-8. - Release of satisfied or partially satisfied mortgage or ineffective attachment, lis pendens or lien. Damages.

Section 49-8a. - Release of mortgage. Affidavit. Recording of affidavit with town clerk. Penalty for recording false information.

Section 49-9. - Release of mortgage, mechanic's lien or power of attorney. Form of instrument. Index. Operation of executed release.

Section 49-9a. - Validation of release of mortgage. Affidavit.

Section 49-10. - Assignment of mortgage debt. Form of instrument. Requirements. Sufficient notice of assignment. Allocation of recording fees paid by a nominee of a mortgagee. Operation of executed assignment.

Section 49-10a. - Request for payoff statement or reinstatement payment statement.

Section 49-10b. - Residential real estate transaction involving payoff of mortgage loan. Disclosure statement prepared and sent to mortgage holder by notification agent. Form.

Section 49-11. - Release of mortgage by executor, administrator, spouse, next of kin, guardian, conservator or other suitable person.

Section 49-12. - Release of mortgage by foreign executor, administrator, trustee, conservator or guardian.

Section 49-13. - Petition for discharge of mortgage or ineffective attachment, lis pendens or lien.

Section 49-13a. - Undischarged mortgage invalid as further lien. Time periods. Tolling of time period by recording notice.

Section 49-14. - Deficiency judgment.

Section 49-15. - Opening of judgments of strict foreclosure.

Section 49-16. - Foreclosure certificate. Penalty.

Section 49-17. - Foreclosure by owner of debt without legal title.

Section 49-17a. - Collection of rental payments without legal title.

Section 49-18. - Foreclosure by executor, administrator or trustee.

Section 49-19. - Title to vest in encumbrancer paying debt and costs.

Section 49-20. - Redemption by holder of encumbrance on part of property foreclosed.

Section 49-21. - Defendant to receive and file certificate of satisfaction or certificates of judgment of strict foreclosure or foreclosure by sale.

Section 49-22. - Execution of ejectment on foreclosure judgment. Disposition of property.

Section 49-22a. - Execution of ejectment on foreclosure judgment on mortgage guaranteed by Administrator of Veterans' Affairs.

Section 49-23. - Ejectment by mortgagee barred by tender of debt and costs.

Section 49-24. - Court may foreclose lien or mortgage on land by sale or market sale.

Section 49-24a. - Definitions.

Section 49-24b. - Agreement to pursue foreclosure by market sale.

Section 49-24c. - Appraisal of property in foreclosure by market sale.

Section 49-24d. - Listing agreement in foreclosure by market sale.

Section 49-24e. - Contract for sale of property in foreclosure by market sale.

Section 49-24f. - Judgment of foreclosure by market sale.

Section 49-24g. - Right-of-first-refusal law days.

Section 49-25. - Appraisal of property.

Section 49-26. - Conveyance; title of purchaser.

Section 49-27. - Disposal of proceeds of sale.

Section 49-28. - When proceeds of sale will not pay in full.

Section 49-29. - Expenses of sale and costs.

Section 49-30. - Omission of parties in foreclosure actions.

Section 49-30p. - Underwater mortgage: Definitions.

Section 49-30q. - Modification of underwater mortgage.

Section 49-30r. - Conveyance of property encumbered by underwater mortgage in satisfaction of mortgagor's obligation. Transfer agreement.

Section 49-30s. - Transfer agreement to convey property subject to underwater mortgage.

Section 49-30t. - Judgment of loss mitigation following agreement under section 49-30q or 49-30r.

Section 49-30u. - Judgment of loss mitigation following agreement under section 49-30s.

Section 49-30v. - Nonentry of judgment of loss mitigation.

Section 49-30w. - Junior lien on property encumbered by underwater mortgage.

Section 49-31. - Actions against the state.

Section 49-31a. - Subordination clauses.

Section 49-31b. - Information in deed sufficient notice as to nature and amount of obligation. Deed for variable rate mortgage loan.

Section 49-31c. - When subordination not subject to statute of frauds and automatically effective.

Section 49-31d. - Definitions.

Section 49-31e. - Application for protection from foreclosure.

Section 49-31f. - Application for protection from foreclosure action. Qualifications. Court determination of eligibility. Stay of foreclosure action.

Section 49-31g. - Restructuring of mortgage debt by court.

Section 49-31h. - Partial payment by homeowner mandated by court as condition for granting of restructuring order.

Section 49-31i. - Determination of restructured mortgage debt. Limitations on amount of mortgage debt following restructuring. Computation of new mortgage debt.

Section 49-31j. - Regulations.

Section 49-31k. - Definitions.

Section 49-31l. - Foreclosure mediation: Notice of foreclosure mediation program. Forms. Procedure. Stay of litigation.

Section 49-31m. - Ezequiel Santiago Foreclosure Mediation Program.

Section 49-31n. - Mediation period. Information required. Termination of program.

Section 49-31o. - Consent of mortgagee required for changes. Disclosure of information submitted to mediator.

Section 49-31p. - Successor in interest in foreclosed property secured by federally-related mortgage loan. Assumption of interest limited. Definitions.

Section 49-31q. - Successor in interest in foreclosed property. Termination of tenant lease and assumption of interest subject to tenant lease.

Section 49-31r. - Foreclosure mediation: Notice of community-based resources.

Section 49-31s. - Simultaneous filing of motions for judgment of foreclosure and for default for failure to appear permitted for vacant, abandoned and unoccupied real property.

Section 49-31t and 49-31u. - Eligibility for foreclosure mediation program after consent to foreclosure by market sale. Foreclosure mediation program: Certificate of good standing.

Section 49-31v. - Foreclosure mediation program: Funding.