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Foreclosure Defense Attorneys in Hartford County

Helping You Save Your Connecticut Home

Your home is more than just an asset. It might be where you’ve raised your children, hosted holidays, and created some of the fondest memories you have. If foreclosure is on the horizon, therefore, you are likely experiencing a great deal of stress, fear, and sadness.

Since 1988, Boatman Law has worked closely with homeowners in Hartford County and surrounding communities to delay foreclosure. When you bring your financial crisis to our firm, you can trust us to develop a strategic, personalized plan that will help restore your confidence in the future. Experience the sense of relief and comfort that comes with knowing your case is in good hands.


Facing foreclosure in Hartford County? Call our attorneys immediately at (860) 200-2260 or contact us online. We can get started with a free initial consultation.


Your Foreclosure Defense Options

Foreclosure is the legal process of seizing and selling a person’s home when they fall behind on payments. Connecticut is a judicial foreclosure state, which means the mortgage lender must go through the court and obtain a judgment before they can force the sale of your home to satisfy the mortgage debt. Connecticut is one of two States that also allows for a foreclosure judgment where the lender can take title to a home without need of a sale when its mortgage debt is greater than the value of the property. Under federal law, foreclosure cannot begin until you are delinquent for at least 120 days.

Many people believe foreclosure is inevitable once they receive the notice and that they will need to leave their home quickly. Others believe the only way they could possibly prevent foreclosure is to simply do what they can to pay what they owe. In fact, the Connecticut State Courts have certain protections available for homeowners that can stall foreclosure actions and allow the homeowner to pursue certain foreclosure alternatives, to include loan modifications and loss mitigation options which can avoid the foreclosure process entirely.

Fortunately, you likely have several options at your disposal, including:

  • Mediation. Connecticut Courts offer homeowners a mediation program. This program stops a foreclosure from proceeding against you for a period of seven or more months to allow the homeowner some breathing room to explore foreclosure alternatives without the immediate threat of losing your home.
  • Bankruptcy. Because of the automatic stay that takes effect as soon as you file your petition, bankruptcy is a great way for many homeowners to halt a foreclosure. Your lender may not be able proceed with efforts to sell your home for the duration of your case, which means you’ll have some time to explore home retention or other options to save your home. Chapter 13 may be particularly useful for this purpose.
  • Loan modification. With our assistance, you may be able to arrange new terms with your lender even outside of the mediation process. These terms could include lower monthly payments, a lower interest rate, delinquent payments added to the end of the plan, and more.
  • Short sale. You may be able to sell your home to a third party for less than what you owe on the mortgage. All the proceeds of a short sale will go to the lender, who will either forgive the deficiency balance (the difference between what you owed and the amount for which it sold) or require you to pay it. Short sales may have less of a negative impact on your credit than a foreclosure judgment and leave you in a better financial position moving forward.
  • Deed in lieu of foreclosure. Sometimes the best resolution for a homeowner may be walking away and starting over without the looming foreclosure case. We can help you negotiate with your lender for a cash payment in exchange for your consent to a foreclosure judgment and agreement to voluntarily leave your home.

  • Defending the foreclosure. While a lender may bring a foreclosure case when a homeowner fails to pay the mortgage by its terms, the lender is required to prove its right to obtain a foreclosure judgment. As lenders frequently transfer the loan at issue, the foreclosing party must show that it has the legal right to bring a foreclosure action. There may also be defenses available based on a lender’s bad acts.

No matter where you are in the country, foreclosure can happen very quickly. As such, we urge you to get in touch with us as soon as you believe you may be at risk of losing your home. We are here to assist you no matter what stage of this process you are currently facing. From beginning to end, we are fully prepared to support you.

Your lender might not have your interests at heart—but we do. Call (860) 200-2260 or contact us online for assistance from a team of attorneys who will fight for your future.

  • Massachusetts State Bar
  • U.S. District Court of Connecticut
  • U.S. District Court of Massachusetts
  • Super Lawyers Rising Star
  • Connecticut Bar Association
  • AV Preeminent

Our Clients Come First

Testimonials
  • “With his attention to every detail, Pat always sustains vigilant oversight of the numerous competing priorities, timelines, and requirements related to the process and maintains focus on my and my company's best interests.”

    - Earle L.
  • “Her unique perspective and ingenuity increased the value of my case and I am so happy that I chose her as my attorney.”

    - Kristina H.
  • “She fought the insurance companies to the end and believe me she wouldn't let them get away with anything. Her kindness made the stress of the whole process much easier.”

    - Maureen S.

Our Commitment to Fight for Your Cause

What You Can Expect With Us
  • Wide Range of Legal Services Available
  • Over 30 Years Established as a Firm
  • Free Initial Consultations
  • Spanish Services Available