The Constitutionality of Maine's Real Estate Mortgage Foreclosure Statutes

In Maine, Fuentes v. Shevin caused understandable concern about the constitutionality of the state statutes governing real property mortgage foreclosures. Of the foreclosure procedures existing in 1972, only one provided for impartial determination by a court of the mortgagor's breach of condition. In response to Fuentes, the Maine Legislature in 1975 enacted a straightforward provision for foreclosure by civil action. Although the constitutionality of Maine's pre-1975 foreclosure statutes under the fourteenth amendment has not been litigated, lenders in Maine's largest city have recently abandoned all methods of foreclosure except foreclosure by civil action. Lenders, debtors, and legislators in Maine would profit by a clarification of the constitutional issues raised by Maine's real property mortgage foreclosure statutes. The purpose of this Comment is to identify and discuss those issues and to suggest the probable resolution of constitutional challenges to these statutes.