A Foreclosure
R.I. Gen. Laws § 34-27-9 — a mediation conference before a home foreclosure, within sixty days of the notice
Mediation first. Before foreclosing on an owner occupied principal residence, the lender gives written notice that it may not foreclose without first taking part in a mediation conference.
A lender that does not mail that notice within one hundred twenty days after the default pays a penalty of $1,000 for each month it is late.
The conference is held, in person or by phone, with a HUD approved independent counselor as coordinator, no later than sixty days after the notice is mailed. The homeowner cooperates and provides the financial information needed.
Where the mortgage calls for published notice of a sale, it runs once a week for three successive weeks, the first at least twenty-one days before the sale.
A particular foreclosure is a question for a licensed Rhode Island attorney or a HUD approved housing counselor.
Sources for this section (2)
- R.I. Gen. Laws § 34-27-9 — Mediation conference
- R.I. Gen. Laws § 34-27-4 — Publication of notice under power of sale and rights of active military servicemembers
Legal information, not legal advice. Verified as of October 2026. Applying it to a particular situation is the work of a licensed Rhode Island attorney.