Behind on Payments but No Lawsuit Yet? Pre-Foreclosure in Connecticut
The stretch between missed payments and a foreclosure lawsuit is when you have the most options. Here is how to use it.
See Your MAX Offer
Start with the address. A CT MAX buyer calls you back, and your written number follows the walk-through.
Where you are in the process
After missed payments, the servicer sends notices and eventually a demand letter. Federal rules generally keep a servicer from starting foreclosure until a loan is more than 120 days delinquent. Once the lender files in Superior Court, the case begins.
Why early matters
- Less in fees and interest added to the balance
- More time to sell without a court deadline
- Loan modification and repayment plans are easier before a lawsuit
Where CT MAX fits
If keeping the house is not realistic, selling in pre-foreclosure protects your equity and your credit from a completed foreclosure. We pay off the loan at closing.
Common questions
Is pre-foreclosure public?
A lis pendens is recorded when the suit is filed. Before that, it is between you and the lender.
Can I still get a modification?
Often yes. Call the servicer and a HUD-approved counselor.
How much time do I have?
It varies. Act early.
General information only, not legal advice. Deadlines in your case come from the court. Talk with a Connecticut attorney.
From first call to cash in hand
- Day 1
Share the address
Call, text or use the form. We ask a few questions about the house and your deadline.
- Day 2–3
One walk-through
A CT MAX buyer sees the house once. No cleaning, no repairs, no open houses.
- Within 24 hrs of the visit
Your MAX Offer in writing
A firm cash number with no commission taken out. Take it, counter it or walk away.
- The date you pick
Attorney closing
A Connecticut closing attorney pays off the liens and hands you the balance.
Deadline coming up?
Get a written MAX Offer before the law day. Saying no costs nothing.