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Date: 10/05/2025

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House & Apartment

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Mortgage foreclosure

If you don't pay your mortgage A loan given by a bank that is used to help someone buy a home , the bank could take your home back. This is called foreclosure A forced sale of property when a person doesn't make payments on a loan . Our resources explain the process.

Common eviction defenses
A tenant can use a defense (legal reason) to ask the judge to throw out an eviction case. Some eviction defenses are listed.
Text article
Respond to a mortgage foreclosure complaint
A program to help you complete the forms for an Answer and Appearance, to respond to a Mortgage Foreclosure Complaint.
Easy Form
Can someone use a judicial lien to foreclose on my house?
Explains that houses are usually only foreclosed for unpaid mortgages.
Text article
Understanding foreclosure of a rental building as a tenant
Learn what changes and what stays the same for tenants when a rental building is in foreclosure.
Guide
Collecting a surplus after a foreclosure sale
Describes how you can collect extra money if your house is sold for more than what you owe.
Text article
Responding to a mortgage foreclosure case
Steps on how to respond if you received a Complaint and Summons for a mortgage foreclosure case.
How-To
Options for dealing with foreclosure
Lists options for responding to and dealing with a foreclosure case.
Text article
Legal reasons to throw out a mortgage foreclosure lawsuit
You may have a defense (a legal reason) to stop a mortgage foreclosure lawsuit
Text article
Delay a foreclosure sale
This Easy Form helps you ask the court to delay the sale of your home in a foreclosure case.
Easy Form
Being sued for mortgage foreclosure
A mortgage is a loan that is used to pay for a house. If you don't make the payments on the loan, the bank can sue you to take the property back. This is called foreclosure.
Guide
Stopping a judicial sale of a home
Explains how you may qualify to stop a judicial sale of a home.
Text article
Vacate default judgment of foreclosure
A program to help you complete the forms to undo a default judgment in a foreclosure case.
Easy Form
Vacating a default judgment in a foreclosure case
Explains how you can get rid of a default judgment in a foreclosure case.
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I inherited a house that’s in foreclosure. What should I do?
What you need to do when you inherit a house or apartment in foreclosure.
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Avoiding mortgage foreclosure
To avoid foreclosure you can go through loss mitigation. This may mean that you keep your home or it means you came to an agreement with the mortgage company to give up your home. A foreclosure cannot be filed unless more than 120 days have passed since you stopped paying your mortgage.
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Property is sold at a judicial sale for less than the balance of the mortgage
Learn what your options are if the money from the judicial sale is not as much as the mortgage.
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Avoiding foreclosure rescue scams
Undertand how to avoid foreclosure scams and find solutions to your mortgage problems.
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Sealing foreclosure cases filed during Covid-19
Explains when you may be able to have a foreclosure action filed during Covid-19 sealed.
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Predatory mortgage lending
Manual for practitioners about predatory mortgage lending, including the Illinois Mortgage Foreclosure Law, predatory lending practices, legal remedies for mortgage abuses, and the liability of assignees and holders. 2022 Edition.
IICLE
Real Estate Litigation
Information on real estate litigation including defenses to mortgage foreclosure and defenses to predatory lending. 2024 edition
IICLE
Mortgage foreclosure : Corresponding issues
Guide to Illinois mortgage foreclosure case issues. Includes: alternative remedies, seller financing, forfeiture of installment agreements, deficiencies, bankruptcy considerations, and more. 2024 edition
IICLE
Mortgage Foreclosure: Practice and Procedure
Manual on statutory process, the complaint, commercial actions, alternative remedies, defenses, and more. 2024 edition
IICLE

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ILAO is a registered 501(c)(3) nonprofit organization. ILAO's tax identification number is 20-2917133.

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© 2025 Illinois Legal Aid Online. 
All rights reserved.
 
ILAO is a registered 501(c)(3) nonprofit organization. ILAO's tax identification number is 20-2917133.