Rockstone Capital, LLC v. SanzoAnnotate this Case
In this foreclosure action, the Supreme Court held that Defendants John Sanzo and Maria Sanzo were not entitled to the homestead exemption, which is available when a creditor forecloses on a judgment lien but not on a consensual lien. See Conn. Gen. Stat. 52-352(b).
Plaintiff, Rockstone Capital, LLC held judgment liens against Defendants. The parties agreed to a consensual lien in the form of a mortgage to secure the debt. Defendants defaulted on the mortgage payments, and Plaintiff sought to foreclose on the mortgage. Defendants invoked the homestead exemption. The trial court decided that the exemption should apply and rendered judgment for Plaintiff on the judgment liens, subject to the homestead exemption. The Appellate Court reversed, holding that the homestead exemption did not apply to a consensual lien such as a mortgage. The Supreme Court affirmed, holding that the Appellate Court properly found that the appeal was taken from a final judgment and the mortgage was a consensual lien.