Confronting your mortgage lender in court doesn’t guarantee that you’ll be able to save your home, but it certainly gives you a fighting chance. To that end, here is a list of the steps to take to help save your home from foreclosure in Illinois:
- Answer the complaint within 30 days. Within 30 days of receiving a court summons (this is the scary document that says your lender has officially filed a foreclosure action), you must file an answer with the court clerk. If you fail to meet this deadline, your lender could get a default judgment, which makes it much more difficult to save your home from foreclosure.
- Call an Illinois foreclosure attorney. If you want to give yourself the best chance to save your home from foreclosure, you need someone with experience to guide you through the complex court process. By calling an Illinois foreclosure attorney, you'll at least be able to learn more about foreclosure laws an the steps to take to save your home.
- Save all letters and emails from your lender. In their rush to foreclose on homes in Illinois, mortgage lenders often several serious mistakes that could threaten their ability to eventually win a foreclosure judgment. By saving all letters from your lender, and keeping a log of the phone calls you receive, you could preserve proof of fatal errors made by your mortgage servicer.
- Prepare for a lengthy battle. In Illinois, the typical foreclosure case lasts almost two years. And since most cases are uncontested, this figure is probably much higher for homeowners who choose to fight their foreclosure in court. On one hand, this gives homeowners more time to stay in their homes and craft a viable foreclosure defense. But it also requires a lot of patience.
If you and your Illinois foreclosure defense attorney are able to find fatal flaws in the mortgage documents, you may be able to save your home from foreclosure altogether.