SECTION 1. Notwithstanding the provisions of any general or special law to the contrary, all foreclosures of residential mortgage on 1-4 family owner-occupied property located in the city of Worcester can only be initiated by the filing of a foreclosure complain in the Superior or Housing Court for Worcester County. A residential mortgagor may raise any and all available defenses to the foreclosure and to the contract for the underlying mortgage loan, in law and in equity. The court shall have the authority to modify the mortgage or grant any other appropriate relief. Mortgagors shall have a right of redemption for six months after the entry of judgment.
SECTION 2. This act shall take effect upon passage and shall cease to have effect on December 31, 2013.
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