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Date: 02/26/2026

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House & Apartment

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Mortgage foreclosure

If you don't pay your mortgage, the bank could take your home back. This is called foreclosure. Our resources explain the process.

Foreclosure of a home I own
(19 resources)
What happens if I don't pay my property taxes?
Explore the risks of not paying property taxes on time and determine when and how property tax debt can be addressed.
Text article
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
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Foreclosure of a house or apartment I rent
(4 resources)
Foreclosure for tenants
Learn what changes and what stays the same for tenants when a rental building is in foreclosure.
FAQ
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
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.
Text article
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
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Other foreclosure
(3 resources)
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
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.
Text article
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.
Text article
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© 2026 Illinois Legal Aid Online. 
All rights reserved.
 
ILAO is a registered 501(c)(3) nonprofit organization. ILAO's tax identification number is 20-2917133.