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Foreclosure Law

Foreclosure Law Appellate Court Opinion

   by Booth, George

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=625

AC38176 - Rockstone Capital, LLC v. Sanzo (Foreclosure; homestead exemption statute (§ 52-352b [t]); amendment of complaint to foreclose mortgage instead of judgment liens; jurisdiction to hear appealable final judgment; "The plaintiff, Rockstone Capital, LLC, appeals and the defendants, John Sanzo and Maria Sanzo, cross appeal from the judgment of the trial court. On appeal, the plaintiff claims that the trial court erred in not foreclosing its mortgage on the defendants' property and in applying the homestead exemption to its judgment liens, for which foreclosure was not sought. In their cross appeal, in part agreeing with the plaintiff, the defendants claim that the trial court erred in entering a judgment of foreclosure in favor of the plaintiff as to the judgment liens. As to the plaintiff's appeal, we reverse the judgment of the trial court that determined that the mortgage was void as against public policy and remand the matter for further proceedings in accordance with law. We also reverse the judgment of the trial court with respect to the defendants' cross appeal.")


Foreclosure Law Appellate Court Opinion

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=613

AC38563 - Wells Fargo Bank, N.A. v. Henderson ("In this foreclosure action, the self-represented defendant, Genevieve Henderson, appeals from the trial court's rendering of summary judgment in favor of the plaintiff, Wells Fargo Bank, N.A. The defendant claims that (1) the plaintiff failed to demonstrate that it had standing to foreclose, and (2) she was deprived of due process of law in connection with several motions that she brought during the course of the litigation. We conclude that the defendant's claims lack merit and, accordingly, affirm the judgment of the court.")



Foreclosure Appellate Court Opinion

   by Zigadto, Janet

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=571

AC39080 - Bank of New York, Trustee v. Savvidis ("The defendants Athina Savvidis and Anastasios Savvidis appeal from the judgment of strict foreclosure reentered by the trial court in favor of the plaintiff, Bank of New York, as trustee, following the lifting of a bankruptcy stay. On appeal, the defendants contend that the trial court improperly relied on an affidavit furnished by the plaintiff in calculating the outstanding debt. We affirm the judgment of the trial court.")


Foreclosure Appellate Court Opinion

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=553

AC39007 - Santander Bank, N.A. v. Godek ("The self-represented defendant in this residential mortgage foreclosure action, Elizabeth A. Godek (also known as Allison E. Murray), appeals from the judgment of foreclosure by sale rendered against her in favor of the plaintiff, Santander Bank, N.A. On appeal, the defendant appears to raise issues regarding the court's judgment of foreclosure and its denial of her motion to open. We are unable to discern the analysis of the issues raised on appeal. Nothing that the defendant has written in her appellate briefs persuades us of the existence of any error committed by the trial court, much less reversible error.")


Foreclosure Law Appellate Court Opinion

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=542

AC38252 - Bank of America, N.A. v. Chainani ("In this appeal from a judgment of strict foreclosure after a trial, the defendant, Steven Chainani, challenges the applicability of Practice Book § 23-18 (a), under which the plaintiff, Bank of America, N.A., was permitted to establish the amount of the debt at issue via an affidavit of debt, rather than through the presentation of live testimony from witnesses. The defendant's arguments implicate two affidavits that were admitted at separate hearings; however, his claims attack only the use of these affidavits to the extent they were used to establish the amount of the debt, for which the court used only the second affidavit. The relevant affidavit was admitted at a hearing to determine the form of the judgment and was used to determine the amount of the debt pursuant to § 23-18 (a). The defendant argues that the trial court erred because § 23-18 (a) was not applicable to this case. He asserts that this was not harmless error because the affidavit was the only evidence offered to establish the amount of the debt. For the reasons that follow, we conclude that the affidavit was admitted properly under § 23-18 (a) and, accordingly, we affirm the judgment of the trial court.")


Judicial Branch Now Publishing Headnotes for its Supreme & Appellate Court Opinions

   by Booth, George

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=534

The Judicial Branch has announced that it is now publishing a syllabus (headnote) at the top of each Supreme and Appellate Court opinion:

The Judicial Branch is now posting online headnotes for both Supreme and Appellate Court opinions. These headnotes, which accompany individual Supreme and Appellate Court decisions, include a short summary of the ruling and the procedural history of a case. The Reporter of Judicial Decisions prepares the headnotes, which are not part of the opinion. As such, the opinion alone should be relied upon for the reasoning behind the decision [Emphasis added].

Subscribe to a case law category (or categories) of your choice through our Email Digest or RSS delivery services to receive the latest cases from the Supreme or Appellate Courts delivered directly to your inbox.


Foreclosure Appellate Court Opinion

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=531

AC38489 - Bank of New York Mellon v. Talbot ("In this foreclosure action, the defendant James W. Talbot appeals from the judgment of foreclosure by sale, rendered in favor of the plaintiff, The Bank of New York Mellon, formerly known as The Bank of New York, as Trustee for the Certificateholders of CWALT, Inc., Alternative Loan Trust 2007-OH3, Mortgage Pass-Through Certificates, Series 2007-OH3. The defendant claims on appeal that the court abused its discretion because the judgment of foreclosure by sale was predicated on a default that had been entered in error. We affirm the judgment of the trial court.")


Foreclosure Appellate Court Opinions

   by Booth, George

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=494

AC38840 - Reserve Realty, LLC v. BLT Reserve, LLC (Foreclosure; broker's lien; "In this action to foreclose a real estate broker's lien, the plaintiffs, The Reserve Realty, LLC (Reserve Realty) and Theodore Haddad, Sr., as executor of the estate of Jeanette Haddad, appeal from the judgment rendered by the trial court in favor of the defendant BLT Reserve, LLC (BLT). On appeal, the plaintiffs claim that the court improperly determined that (1) the purchase and sale agreement upon which they based their claim for brokerage fees constituted part of an illegal tying arrangement in violation of the Connecticut Antitrust Act, (2) the listing agreements entered into pursuant to such purchase and sale agreement did not comply with General Statutes § 20-325a, and (3) such listing agreements were unenforceable by the plaintiffs because they were personal to Jeanette Haddad. We affirm the judgment of the trial court.")

AC38442 - Reserve Realty, LLC v. Windemere Reserve, LLC (Foreclosure; broker's lien;"In this action to foreclose a real estate broker's lien, the plaintiffs, The Reserve Realty, LLC (Reserve Realty) and Theodore Haddad, Sr., as executor of the estate of Jeanette Haddad, appeal from the judgment rendered by the trial court in favor of the defendant, Windemere Reserve, LLC (Windemere). On appeal, the plaintiffs claim that the court improperly determined that (1) the purchase and sale agreement upon which they base their claim for brokerage fees constituted an illegal tying arrangement in violation of the Connecticut Antitrust Act, (2) the listing agreements entered into pursuant to such purchase and sale agreement did not comply with General Statutes § 20-325a, and (3) such listing agreements were unenforceable by the plaintiffs because they were personal to Jeanette Haddad. We affirm the judgment of the trial court.")

AC38239 - Wells Fargo Bank, N.A. v. Owen (Foreclosure; motion for default for failure to plead; "The defendants Marlene E. Owen and William S. Owen appeal from the denial of their motion to open the judgment of strict foreclosure rendered by the trial court in favor of the plaintiff, Wells Fargo Bank, N.A. The defendants claim that the court abused its discretion in denying their motion because they showed good cause to warrant opening the judgment pursuant to General Statutes § 49-15. We affirm the judgment of the trial court.")


Foreclosure Law Research Guides Updated in April 2017

   by Roy, Christopher

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=434

Two foreclosure law research guides were updated in April and have been posted to our research guides page.

You can visit our Law about Foreclosure page for all of our available foreclosure research guides.


Foreclosure Appellate Court Opinions

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=429

AC38051 - Bank of America, National Assn. v. La Mesa ("The defendant Michael La Mesa appeals from the judgment of foreclosure by sale rendered in favor of the plaintiff, Bank of America, National Association. The sole issue on appeal is whether the defendant's April 22, 2015 notice of rescission, sent pursuant to the Truth in Lending Act, 15 U.S.C. § 1601 et seq., divested the court of subject matter jurisdiction. We affirm the judgment of the trial court.")

AC38638 - U.S. Bank, National Assn. v. Nelson ("The self-represented defendant Moses Nelson appeals from the denial of his motion to dismiss the underlying strict foreclosure judgment rendered by the trial court in favor of the plaintiff, U.S. Bank, National Association, as Trustee for Bank of America Funding Corporation 2007-1. On appeal, the defendant makes a variety of claims challenging the court's rulings on his motion to open the judgment of strict foreclosure and motion to dismiss the underlying strict foreclosure action.

"After reviewing and considering the record in this case, the briefs and the arguments of the parties on appeal, we conclude that the court properly denied the defendant's motion to open because once the law day passed the title of the property vested in the plaintiff and not the defendant....")


Foreclosure Appellate Court Opinions

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=416

AC38413 - Glastonbury v. Sakon ("The defendant John Alan Sakon appeals from the orders of the trial court striking his special defenses and from the judgment of nonsuit entered with respect to his counterclaims. On appeal, the defendant claims that the court improperly granted the plaintiff's motion to strike his original and his substitute special defenses and counterclaims. The appeal is dismissed in part, and the judgment of the trial court is affirmed in part.")

AC38622 - JPMorgan Chase Bank, N.A. v. Cam ("The defendant Eugene A. Cam appeals from the judgment of strict foreclosure claiming that the trial court erred when it concluded that a settlement agreement he had entered into with the plaintiff, JPMorgan Chase Bank, N.A., permitted the plaintiff to pay the defendant a certain sum of money within a 'reasonable time' of the payment deadline provided in the agreement. We affirm the judgment of the court.")


Foreclosure Supreme Court Opinion

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=358

SC19560, SC19561 - Burns v. Adler ("The primary issue that we must resolve in this certified appeal is whether the bad faith exception to the bar on the enforcement of home improvement contracts that do not comply with the Home Improvement Act (act), General Statutes § 20-418 et seq., entitled the plaintiff contractor, James E. Burns, Jr., to recover damages from the defendant homeowner, David Y. Adler, for home improvement services despite the plaintiff's noncompliance with that statute. The parties entered into an agreement whereby the plaintiff agreed to furnish materials and supply labor in connection with the renovation of a residence owned by the defendant in the town of Salisbury. After the renovation project was largely complete, a dispute arose regarding amounts that the defendant owed the plaintiff for services performed. Thereafter, the plaintiff brought this action claiming, among other things, breach of contract and unjust enrichment. The defendant raised the special defense that the plaintiff's claims were barred because the agreement did not comply with the requirements of General Statutes (Rev. to 2007) § 20-429. In turn, the plaintiff claimed that the defendant was precluded from relying on § 20-429 because his refusal to pay the plaintiff was in bad faith. After a trial to the court, the trial court concluded that the plaintiff had incurred damages in the amount of $214,039 and that § 20-429 did not bar recovery because the defendant's refusal to pay was in bad faith. Accordingly, the court rendered judgment for the plaintiff in the amount of $214,039. The defendant appealed to the Appellate Court, which affirmed the judgment of the trial court. See Burns v. Adler, 158 Conn. App. 766, 808, 120 A.3d 555 (2015). We then granted the defendant's petition for certification to appeal, limited to the following issues: (1) 'Did . . . § 20-429 (f) abrogate the bad faith exception to the [act] created in Habetz v. Condon, 224 Conn. 231, 240, 618 A.2d 501 (1992)?'; and (2) 'Did the Appellate Court properly affirm the judgment of the trial court in favor of the plaintiff?' Burns v. Adler, 319 Conn. 931, 125 A.3d 205 (2015); see also footnote 7 of this opinion. We conclude that the first certified question is not reviewable because it was not raised in the trial court. We further conclude that the defendant did not act in bad faith and, therefore, the Appellate Court improperly affirmed the judgment of the trial court on the ground that the plaintiff was barred from invoking the protection of the act. Accordingly, we reverse the judgment of the Appellate Court and conclude that the case must be remanded to the trial court with direction to render judgment for the defendant.")


Foreclosure Appellate Court Opinion

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=355

AC37764 - Countrywide Home Loans Servicing L.P. v. Peterson ("The named defendant, Alyssa Peterson, who represented herself before the trial court and continues to do so on appeal, challenges the judgment of the court (1) denying her motion to open the court's judgment of strict foreclosure, and (2) denying her motion to reargue the motion to open. The defendant's principal claim, and the only one we need address at length, is that the court improperly declined to open the judgment of strict foreclosure in order to correct an erroneous determination of the debt owed by the defendant. We affirm the judgment of the court.")


Foreclosure Law Appellate Court Opinion

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=337

AC38219 - 21st Mortgage Corp. v. Schumacher ("The defendant, Christopher N. Schumacher, appeals from the judgment of strict foreclosure rendered by the trial court in favor of the plaintiff, 21st Mortgage Corporation. On appeal, the defendant claims that the court improperly rendered summary judgment as to liability after finding that there was no genuine issue of material fact as to whether the plaintiff is the holder of the note and the party entitled to foreclose. We affirm the judgment of the trial court.")


Foreclosure Law Supreme Court Opinion

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=315

SC19661 - ARS Investors II 2012-1 HVB, LLC v. Crystal, LLC (" In this appeal, we consider whether a trial court may render a judgment of foreclosure on mortgaged property that consists of parcels of land within a subdivision that has not been approved by municipal zoning authorities. We conclude that our law permits a trial court to order foreclosure in such circumstances.")


Foreclosure Appellate Court Opinion

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=299

AC38127 - Deutsche Bank National Trust Co. v. Pardo ("The defendant Carlos A. Pardo appeals from the denial of his motion to dismiss and motion to open the judgment of strict foreclosure rendered by the trial court in favor of the plaintiff, Deutsche Bank National Trust Company, as Trustee under the Pooling Servicing Agreement relating to IMPAC Secured Assets Corp., Mortgage Pass-Through Certificates, Series 2007-3. He claims that the court improperly (1) denied his motion to dismiss for lack of subject matter jurisdiction, and (2) dismissed, pursuant to General Statutes § 49-15, his motion to open the judgment of strict foreclosure as moot. We conclude that neither of these claims are persuasive and, accordingly, affirm the judgment of the trial court.")


Foreclosure Law Appellate Court Opinion

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=292

AC37510 - Izzo v. Quinn (Foreclosure of mechanic's lien; "The defendant, Richard Quinn, appeals from the judgment of the trial court dismissing his four count counterclaim against the plaintiff, Benedetto Izzo, doing business as New Haven Drywall. On appeal, the defendant claims that the court erred in dismissing his counterclaim on the ground that he had failed to join an indispensable or necessary party. We agree, and, accordingly, we reverse the judgment of the trial court.")


Foreclosure Appellate Court Opinion

   by Zigadto, Janet

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=256

AC37548 - Deutsche Bank National Trust Co. v. Cornelius ("The defendant . . . appeals from the judgment of foreclosure by sale rendered after the entry of a second default for failure to plead. On appeal, the defendant claims that (1) the trial court did not have jurisdiction to adjudicate the present foreclosure action, (2) the trial court erroneously denied his motion to strike the complaint, and (3) the trial court erroneously denied his motion to set aside the second default for failure to plead. We disagree and, therefore, affirm the judgment of the trial court.")



Foreclosure Supreme Court Opinion

   by Mazur, Catherine

 http://jud.ct.gov/lawlib/LawLibNews/Posts/Post.aspx?Id=222

SC19672 - Connecticut National Mortgage Co. v. Knudsen ("The original plaintiff, Connecticut National Mortgage Company, commenced this action in 1989 seeking to foreclose a mortgage on a parcel of real property that is owned by the named defendant, Lise-Lotte Knudsen, and is located in the town of Redding. Although the trial court had rendered a judgment of foreclosure in 1994, that judgment has been opened and modified several times over the years. Eventually, on August 20, 2012, the plaintiff Wells Fargo Bank, N.A., was substituted as the plaintiff. On June 8, 2015, the trial court rendered a new judgment of strict foreclosure that extended the defendant's law day to August 4, 2015. On June 17, 2015, the defendant filed a motion for permission to file a motion to vacate the new judgment, which was denied on June 18, 2015. The defendant appealed to the Appellate Court on June 26, 2015, within the twenty day appeal periods triggered by both the new judgment and the denial of the defendant's subsequent motion...."

"The judgment of the Appellate Court is reversed and the case is remanded to that court for further proceedings according to law.")


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