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Illinois Foreclosure Law

If you are in foreclosure in the state of Illinois, we help stop foreclosure in Illinois. If you would like to keep your home and avoid foreclosure, UCMA offers foreclosure help in Illinois. For additional information, please click on our Home page, thank you.

Stop Illinois Foreclosure and Avoid Foreclosure in Illinois and Illinois Foreclosure Help Avoid Illinois Foreclosure - Quick Facts

- Judicial Foreclosure Available: Yes
- Non-Judicial Foreclosure Available: No
- Primary Security Instrument: Mortgage
- Timeline: Typically 210 days
- Right of Redemption: No
- Deficiency Judgments Allowed: Yes

Lenders in Illinois have a number of options available to them to foreclose on a mortgage in default.

Judicial Foreclosure

A notice of the lenders intent to foreclose must be given to the borrower, and any other person entitled by Illinois statutes to receive notice, at least thirty (30) days prior to the courts judgment of foreclosure.

If the court finds in favor of the lender and issues a notice of sale, the sale will be conducted on the terms and conditions specified in the notice of sale, provided they meet the minimum standards provided in the Illinois Statutes.

The sheriff or any judge within the county where the property is located may conduct the sale. The borrower has no rights of redemption after the foreclosure sale.

Deed in Lieu of Foreclosure

If the borrower has defaulted on the mortgage and the lender agrees, the borrower may simply give the deed to the lender and his interests in the property securing the deed will be terminated. If the lender agrees and accepts the deed, they may not seek to obtain a deficiency judgment against the borrower at any time afterward.

Consent Foreclosure

In this type of foreclosure, the court enters a judgment satisfying the mortgage by giving absolute title to the property secured by the mortgage to the lender. The borrower has no rights of redemption after this type of foreclosure judgment has been rendered and the lender may not file for a deficiency judgment.

Lenders may also foreclose on a mortgage in default by using the common law strict foreclosure method, but Illinois law does not permit non-judicial power of sale foreclosures. How to stop foreclosure in Illinois.

Click here for more information on Illinois foreclosure laws.

Stop foreclosure and get foreclosure help in Illinois and cities of Chicago, Aurora, Rockford, Naperville, Joliet, Springfield, Peoria, Elgin, Waukegan, Cicero, Decatur, Champaign, Evanston, Arlington Heights, Schaumburg, Bolingbrook, Bloomington, Palatine, Skokie, Tinley Park, Orland Park, Mount Prospect, Oak Lawn, Wheaton, Des Plaines, McHenry, Crystal Lake, Woodstock and the surrounding cities in Illinois.


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