When the foreclosure sign goes up

Jun 10, 2023 | Foreclosure

Foreclosure auctions in Connecticut are actually not that common- typically, a homeowner needs to have equity in the home for an auction to be scheduled. Or if there’s an IRS or other federal government lien on the house, you get an auction. But that’s it—not everyone gets an auction. I receive a lot of calls from homeowners behind on their mortgages, and what’s their primary concern?

“I don’t want a sign going up on my lawn announcing a foreclosure auction.”

The embarrassment of their kids, neighbors, family members, even the family dog, knowing they are having money problems is the worst. Never mind actually getting foreclosed on- it’s the sign they think is the worst thing possible.

When the sign goes up it means a lot of things—primarily that the mortgage hasn’t been paid and your bank hasn’t worked with you to get you back on track. But to me it says YOU HAVE TIME. That’s right—there’s still some time. We can work on a (or another) mortgage modification—most homeowners who have tried to navigate the foreclosure process on their own and failed find success when my office gets involved and helps submit the application. You can put your own house on the market—you may not want to sell, but it can buy you time. There are other things you can do- I can usually come up with a few more ideas once I speak to a homeowner in foreclosure.

I got a call today from a client’s son because the sign went up and he didn’t understand that the house is in foreclosure- and he lives there. We talked, he understands his mother’s options, and we discussed options HE has for helping out. He now has a plan.

What the sign doesn’t mean is that you are a failure. It’s a sign- a sign that your life has changed but not necessarily for the worse; a sign that the court cares enough to make sure you have official notice of what is going on and when. Mostly it’s a sign it’s time to get help.

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

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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.

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