Illinois Additional Paragraphs for Mortgage Foreclosure appearance & answer are a set of guidelines that outline the necessary information that must be included in a borrower’s response to a foreclosure complaint in the state of Illinois. These paragraphs are necessary to ensure that borrowers are aware of their rights and obligations and that they are in compliance with the law. The Illinois Additional Paragraphs for Mortgage Foreclosure appearance & answer address the following topics: 1. The right to request a loan modification or forbearance; 2. The right to dispute liability or damages; 3. The right to request an independent appraisal; 4. The right to request a hearing before the court; 5. The right to request a mediation session; 6. The right to request production of documents; 7. The right to request a jury trial; and 8. The right to object to the foreclosure complaint. In addition to the above, the Illinois Additional Paragraphs for Mortgage Foreclosure appearance & answer also provide guidance on the type of language that should be used in the answer to the foreclosure complaint, the time frames within which a borrower’s response must be filed with the court, and the consequences that may result from not responding to the foreclosure complaint in a timely manner.