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You can ask the court to vacate (undo) the default judgment. If the judgment is vacated and the case is put back on the court's calendar and the case will continue. You still have to defend the case, but the other side no longer has a judgment against you.
You will need to electronically file ("e-file") them unless you have an exemption. You must file all of the forms within 30 days of receiving the Summons and Complaint. If you do not file an Answer, the bank will ask the judge for a default judgment and judgment of foreclosure.
If it has been 30 days or less, you can get rid of ("vacate") a default judgment by filing a motion. This is a written request to the judge asking them to throw out the judgment. You will have to send a copy of the motion to the other party in the case, and then show up in court for a hearing.
At this point, you're probably wondering what's the best way to stop foreclosure in Illinois. There are three ways - reinstating the loan, redeeming the property before the sale, or filing for bankruptcy. Well, here's some news - filing for bankruptcy is your best option to keep your home!
O The court is more likely to grant your Motion to Vacate Default Judgment of Foreclosure if you file it no later than 30 days after the date the default judgment was entered against you.