An Act To Ensure That Defendants in Foreclosure Proceedings Receive Proper Notification
Maine Legislature, Session 129, LD 0907
Committee: Health Coverage, Insurance and Financial Services
Sponsors: DAUGHTRY, ACKLEY, BEEBE-CENTER, EVANGELOS, MOONEN, TEPLER, TERRY, TIPPING
Amends: 14 MRSA §6111

Legislative Document
No. 907
H.P. 671
House of Representatives, February 19, 2019
An Act To Ensure That Defendants in Foreclosure Proceedings 
Receive Proper Notification
Reference to the Committee on Health Coverage, Insurance and Financial Services 
suggested and ordered printed.
ROBERT B. HUNT
Clerk
Presented by Representative DAUGHTRY of Brunswick.
Cosponsored by Representatives: ACKLEY of Monmouth, BEEBE-CENTER of Rockland, 
EVANGELOS of Friendship, McCREIGHT of Harpswell, MOONEN of Portland, TEPLER of 
Topsham, TERRY of Gorham, TIPPING of Orono.
Be it enacted by the People of the State of Maine as follows:
Sec. 1.  14 MRSA §6111, sub-§3, as amended by PL 1997, c. 579, §2, is further 
amended to read:
3.  Notice procedure.  A mortgagee shall provide notice to a mortgagor and any 
cosigner under this section to the last known addresses of the mortgagor and cosigner by 
both:
A.  Certified mail, return receipt requested.  For the purposes of this paragraph, the 
time when the notice is given to the mortgagor or cosigner is the date the mortgagor 
or cosigner signs the receipt or, if the notice is undeliverable, the date the post office 
last attempts to deliver it; or and
B.  Ordinary first class mail, postage prepaid.  For the purposes of this paragraph, the 
time when the notice is given to the mortgagor or cosigner is the date when the 
mortgagor or cosigner receives that notice.  A post office department certificate of 
mailing to the mortgagor or cosigner is conclusive proof of receipt on the 3rd 
calendar day after mailing.
For purposes of this subsection, the time when the notice is given to the mortgagor or 
cosigner is the sooner of the date the mortgagor or cosigner signs the receipt or, if the 
notice is undeliverable, the date the post office last attempts to deliver it under paragraph 
A and the date the mortgagor or cosigner receives the notice under paragraph B.  A post 
office department certificate of mailing to the mortgagor or cosigner is conclusive proof 
of receipt on the 7th calendar day after mailing notice as provided under paragraph B.
SUMMARY
This bill requires a mortgagee to send a mortgagor in a foreclosure action the right to 
cure notice by both certified mail, return receipt requested, and ordinary mail.
The time the notice is given to the mortgagor or cosigner is the sooner of:
1.  The date the mortgagor or cosigner signs the receipt or, if the notice is 
undeliverable, the date the post office last attempts to deliver it, under the Maine Revised 
Statutes, Title 14, section 6111, subsection 3, paragraph A; and
2.  The date the mortgagor or cosigner receives the notice under Title 14, section 
6111, subsection 3, paragraph B.  A post office department certificate of mailing to the 
mortgagor or cosigner is conclusive proof of receipt on the 7th calendar day after mailing 
when notice is provided under Title 14, section 6111, subsection 3, paragraph B.