7 Important Points of a Foreclosure or Credit Card Action

Mar 27, 2023 | Stuff you may not know

7 important points to know going into a foreclosure/credit card action:

  1. You have options – but, there are so many more at the beginning and they narrow down pretty quickly as things go on;
  2. Know that the bank/mortgage company is always – always – going to act in its own interest, not yours, so customer service revolving around late payments may not be a service at all;
  3. In court, the lawyers for the bank/mortgage/credit card company sole focus is to move cases – nothing personal. Literally. They are paid for volume not to take a moment and assist you;
  4. The Judge is not there to watch over your interests;
  5. No one in the Connecticut foreclosure courts – Judge, Clerk, Marshalls, Janitors – can give you legal advice on foreclosure defense, it’s simply not allowed.
  6. If one of the above tell you to file a certain form with the comment ‘do that and you’re all set’ you’re not. All set. Ever. At best you’re merely up to date.
  7. There’s a reason the Connecticut Practice Book of court rules and procedures is so thick – there’s a lot of rules and procedures for everything that comes before the court.

As always, I’m here to be a resource for anyone suffering through a foreclosure/credit card action. – SP

Latest in Articles

I’ll talk to anyone who is currently behind on their mortgage, thinks they may not be able to afford their mortgage in the coming months, or is already in foreclosure. The earlier we talk, the more options you have.

… Sarah Poriss.

Sarah Poriss, Attorney at Law, LLC is the largest woman-owned foreclosure defense law firm in Connecticut, providing homeowners with quality legal counsel in foreclosure mediation and foreclosure defense.

Working at Consumer Law Group in Rocky Hill, Connecticut for four years, Sarah specialized in representing consumers facing financial crises like debt collection harassment and identity theft. Upon opening her own office, she expanded her focus to defending consumers sued by credit card companies and representing homeowners in foreclosure.

Sarah has elevated her practice by exclusively representing clients with money issues. She played a crucial role in drafting foreclosure mediation rules as a member of Connecticut’s Bench-Bar Foreclosure Committee for seven years.

Additionally, she contributed to the Bench-Bar Small Claims Committee to enhance clarity in small claims proceedings and ensure debt collectors provide substantial evidence to win cases.

Ever wanted to pick a lawyer's brain without the complexities of hourly rates and retainers?

This is why we offer you a simple and affordable solution: A One Hour Session for $300. 

During your one-hour session, we will identify crucial adjustments in your financial strategy that can be implemented immediately!


We will address your immediate concerns and devise a strategy to enhance your financial well-being.


Fill out "What Money Matters To Me". This confidential questionnaire a tool is used, maximizing our time together.


We explore your financial concerns, identify areas for improvement, and craft your customized roadmap.


You leave with actionable steps, resources tailored to you, and the confidence to navigate improved financial health.