For several years, observers in the real estate industry have predicted a wave of mortgage loan defaults in both the residential and commercial spaces. While the more dramatic of these fears have not yet been realized, that has not stopped the development and evolution of Connecticut law in this area. With pending legislative activity and active judicial dockets, there is little indication that this will likely change for the foreseeable future. While these trends would be significant anywhere, in a judicial foreclosure state where the length of the foreclosure process is already well above the national average, they are of particular note.