In Illinois, a Foreclosure Answer (Pro Se) is a legal document that a homeowner can file in response to a foreclosure complaint. This document is typically used when a homeowner is facing foreclosure and wishes to contest the complaint in court. The answer typically includes the homeowner's defenses to the foreclosure, such as claiming that the mortgage is defective or that the foreclosure process was improper. The homeowner must also state whether they admit or deny each of the allegations in the foreclosure complaint. There are two types of Illinois Foreclosure Answers (Pro Se): Responsive Answer and Motion to Dismiss. A Responsive Answer is an answer that responds to each allegation in the foreclosure complaint and sets out the homeowner's defenses. A Motion to Dismiss is a legal motion which requests that the court dismiss the foreclosure complaint on the grounds that the complaint does not properly state a legal claim.
Illinois answer (Foreclosure) (Pro Se)
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In Illinois, it can take approximately 12-15 months for a foreclosure to be completed. Call your lender or a HUD-certified counseling agency as soon as you can. You miss your second payment. When your lender calls, it is important to pick up the phone and speak to your lender.
The redemption period also runs for 3 months after a foreclosure judgment is entered, so, depending on when a judgment is entered, the redemption period can run longer than 7 months from service.
How Can I Stop Foreclosure in Illinois? Your First Move: Find the Right Foreclosure Attorney. Negotiate with the Lender to Resume Payments. Request a Loan Modification. Seek Special Relief: CARES Act And COVID-19. Address Payments Missed By Mistake. Take the Case to Chicago Courts. Turn the House over to the Lender.
(Redemption refers to your right to pay off your loan, usually through a sale of the house or refinance.) Your house will be sold at a sheriff's foreclosure sale. Order confirming the sale of your property and order for eviction is entered. Order for eviction is stayed 30 days (giving you 30 days to move).
Subject to a few limited exceptions, you have 7 months from the date you are served to pay off your loan in full, either by refinancing the loan or by selling the house or by other means. This is called your right to redeem, and the 7-month period is called the redemption period.
In Illinois, there is a redemption period during which you have the legal right to pay off the total debt plus certain costs and interest and reclaim your property, even after a judgment of foreclosure. The property cannot be sold during the redemption period.
Special right of redemption. If the lender (or subsequent owner of the loan) purchases the home at the foreclosure sale and the sale price was less than the total amount you owed, then you have 30 days after the court confirms the sale to redeem.