R.I. Gen. Laws
Rhode Island General Laws

R.I. Gen. Laws § 34-27-1 (2026)

Complaint to foreclose

✓ current as of July 2026
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Any person entitled to foreclose the equity of redemption in any mortgaged estate, whether real or personal, may prefer a complaint to foreclose it, which complaint may be heard, tried, and determined according to the usages in chancery and the principles of equity.

Notes of Decisions
Cited in 5 cases (3 in the last 5 years), 2016–2023 · leading case: Martins v. Fed. Hous. Fin. Agency, 214 F. Supp. 3d 163 (D.R.I. 2016).
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Martins v. Fed. Hous. Fin. Agency, 214 F. Supp. 3d 163 (D.R.I. 2016). · cites it 3× “R.I. Gen. Laws § 34-27-1. Given its rescission of the non-judicial foreclosure, Fannie Mae filed its Motion to Dismiss Ms.”
Ocwen Loan Servicing, LLC v. Ana Medina (R.I. 2021). · cites it 9× “G.L. § 34-27-1, et seq.”3 A constable served a summons and the verified complaint at the property on March 25, 2016, and Ms.”
Aubee v. Selene Fin., LP (D.R.I. 2019). · cites it 4× “R.I. Gen. Laws § 34-27-1. By contrast with a non-judicial foreclosure, which does not require the initiation of a judicial proceeding in which defenses to foreclosure can be asserted, Rhode Island’s judicial foreclosure statute allows any person to “prefer a complaint to…”
Deutsche Bank Nat'l Trust Co. v. Wagner (D.R.I. 2023). · cites it 2× “Section 34-27-1 of the Rhode Island General Laws states: “[alny person entitled to foreclose the equity of redemption in any mortgaged estate, whether real or personal, may prefer a complaint to foreclose it, which complaint may be heard, tried, and determined 4 The Court also…”
Valdera v. Deutsche Bank Nat'l Trust Co. (D.R.I. 2022). “Laws § 34-27-1 requires a mortgagee to send the Notice of Foreclosure Counseling — in this case, that would be Deutsche Bank, not PHH who was the servicer.”
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