Attorneys & Counselors at Law • 386 Main Street, Middletown, CT 06457 • 860.346.1377

Foreclosure Defense

Protecting the rights of homeowners in foreclosure actions and financial distress

Howard McMillan & Tycz has years of experience defending the rights of homeowners.


We have a record of success in securing favorable outcomes for our clients, including:

  • Stopping mortgage foreclosure actions
  • Securing affordable mortgage modifications through mediation
  • Settling tax foreclosure matters
  • Protecting our clients from liability when their mortgage is significantly “under water”

In addition to representing homeowners, HMT has experience representing lenders, condo associations, and municipalities in foreclosure actions.  Our attorneys are regularly appointed by the Superior Court to act as Committees for Sale to conduct foreclosure auctions on behalf of the Court.  We understand the motivations of all the parties involved, and our perspective allows us to effectively represent our home-owner clients in every step of the foreclosure process.

Our reputation for representing homeowners has caused the court to call upon our firm in special circumstances to represent previously self-represented parties to ensure their rights are protected.

We often counsel clients in pre-foreclosure status – those who know they are in financially stressed circumstances and who are concerned about the possibility of a future foreclosure lawsuit.  We are experienced in many of the foreclosure mitigation options including:

  • Loan workouts & mortgage modifications
  • Short Sales
  • Deed-in-lieu of foreclosure

It must be said that to make the most of the loss mitigation opportunities available, homeowners are wise to engage legal counsel as early as possible.