CT HB06631

Associations may not foreclose on a unit unless the owner owes at least two months of common expense assessments, the association has made a written demand for payment, and the executive board has voted to foreclose or adopted a standard foreclosure policy.

Associations must provide written notice by first class mail at least 60 days before commencing foreclosure to all security interest holders, including the unpaid assessment amount, attorney's fees and costs, and payment instructions.

Associations may rely on the last-recorded security interest to identify the holder's name and address, unless the holder is already a plaintiff in a Superior Court enforcement action, in which case notice goes to their attorney.

The written notice requirement does not constitute an unauthorized communication under Connecticut's fair debt collection laws (sections 36a-645 to 36a-648a).

Failure to provide the required notice does not affect the association's lien priority for nine months of common expense assessments, but the priority amount excludes any costs or attorney's fees.