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In the State of Illinois, the foreclosure process begins when a bank or a mortgage company files a foreclosure lawsuit and records a lis pendens. A notice of lis pendens is recorded in the public record of the county where the property is located. The borrower is then served with a summons and foreclosure complaint. The bank or mortgage company generally also names as defendants in the lawsuit any other person or entity that may have a legal claim relating to the property such as holders of second mortgages or 广东福彩app下载 equity lines of credit, 广东福彩app下载owners or condominium associations, and municipal or county governments asserting claims or liens for unpaid taxes or code enforcement fines.
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However, many law firms that represent banks in foreclosure actions often fail to move for entry of a default. Therefore, even if it has been more than 30 days since you were served with a foreclosure lawsuit, you may still be able to defend the case and fight your foreclosure. In some cases, the lender’s attorneys fail to move for a default for months. It is therefore very important to consult with an experienced foreclosure defense lawyer even if you did not respond within the 30 day time frame. There may still be time to defend your case and assert your legal rights.
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Time is of the Utmost Importance. ACT TODAY!
Once you have been served with a foreclosure lawsuit, you cannot afford to wait. Remember: from the time you are served, you ONLY have 30 days to retain an attorney to respond on your behalf and raise legal defenses to the foreclosure lawsuit. If you wait too long, you can severely damage your legal rights. Be proactive—it is extremely important that you seek help from immediately.
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