First Call Day
HOMEOWNERS COME TO COURT FOR INFORMATIONAL SESSION AND FIRST MEDIATION ON THE SAME DAY
The "First Call Day" provides homeowners and lenders the opportunity to meet and discuss options to foreclosure. After foreclosure mediation is requested, homeowners are scheduled to come to court to attend an Informational Session as a group. At the Informational Session the clerk gives homeowners a one-page form to be completed before mediation (FDP-02B). A judge and a HUD-certified housing counselor explain the court mediation process and how to find help at no charge. The housing counselors who speak at the Informational Session are available to help homeowners individually.
Immediately following the Informational Session, mediation takes place that same day. Multiple mediators are available, and it is anticipated that all cases will be mediated within a half-day. Homeowners may talk with housing counselors while waiting their turn for mediation. Homeowners may also consult with housing counselors after mediation and “First Call Day.”
At mediation, homeowners share their goals, ask questions, and discuss their financial situation. Lenders provide information on the status of the loans. The parties discuss any documents to be submitted and whether any options other than foreclosure may be available. The mediator facilitates the parties’ agreements on a specific plan going forward and writes a clear report of next steps and deadlines. This first mediation session is expected to take 30 to 45 minutes. Additional mediation will be scheduled on another day if needed.
If your case is scheduled for “First Call Day,” please note the date and be sure to attend at the court listed on the notice. Please arrive on time (or early). The court does not require a homeowner to have submitted documents in advance of First Call Day, nor is a lender required to have completed a review of the homeowner’s loan for a possible workout by the date of First Call Day. Parties may communicate in advance, but this communication does not change the scheduled court date or remove a case from the Foreclosure Diversion Program. Any law firm with more than four cases scheduled on a First Call Day is requested to send additional attorney coverage.
FOR MORE INFORMATION CALL LAURA PEARLMAN, MANAGER, FORECLOSURE DIVERSION PROGRAM 207-822-0706 OR EMAIL FDMP@courts.maine.gov.