The single-refiling rule in Illinois foreclosure practice is notoriously complicated. One court may view a complaint as a “new” cause of action, while another may dismiss an almost identical complaint for violating the one-refile limit. Add to that the complexities of trusts as separate legal entities, privity questions, and the unusual structure of securitized mortgage […]
The Single-Refiling Rule in Illinois Foreclosures Read More »
Proper service of process is a critical first step in any civil lawsuit in Illinois, whether it involves a credit card lawsuit, a foreclosure, or even the revival of judgment. A lawsuit cannot proceed until the defendant is properly served with a summons and complaint in compliance with Illinois law. When this notification is defective,
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Learn how to respond to a Citation to Discover Assets to Debtor’s Employer. This guide explains your legal obligations, how to complete the required forms, and what to do if you’re served. Avoid penalties and protect your business with these actionable steps.
Employer’s Guide to Wage Garnishment Read More »
This guide explains how Illinois creditors use garnishments, citations, and turnover orders to recover judgments. Learn how the Illinois Wage Deduction Act affects your wages, why funds in your bank account may not stay protected, and steps you can take to safeguard your finances.
The Overlooked Dangers of Wage Garnishments in Illinois Read More »
Struggling with your mortgage in Illinois? Loan modifications can make your payments more affordable and help you keep your home. This guide shares expert tips, common pitfalls, and strategies for success. Learn how to stay organized, avoid mistakes, and navigate servicer challenges with confidence. Don’t let setbacks derail your financial future—take control of the process today.
Insider Tips for Getting a Loan Modification in Illinois Read More »
High-interest loans have caused major challenges for many in Illinois, particularly those with lower incomes. These loans often charge excessive or illegal interest rates, trapping borrowers in cycles of debt that are hard to escape. To address this, Illinois passed the Predatory Loan Prevention Act, effective March 23, 2021, capping consumer loan interest rates at 36% APR. This law applies to payday loans, car title loans, and other high-cost loans, offering critical protections against predatory lending practices. Learn how this law works, what to do if your loan violates the rules, and how we can help you take action.
What to Know About Illegal Loan Interest in Illinois Read More »
Filing for bankruptcy can provide a fresh start and relief from overwhelming debt, but it also comes with unexpected challenges. Losing access to online payment portals and automatic payments can disrupt your daily routine, making it harder to manage bills and finances. Even those who share accounts with someone filing for bankruptcy may face similar issues. This article explores these common disruptions and provides practical tips to help you navigate them with confidence.
Losing Online Payment Options During Bankruptcy Read More »
Foreclosure can be a challenging process for Illinois homeowners, bringing both financial and emotional strain. Most people assume that foreclosure cases stay in state court, but in some situations, these cases can actually be moved to federal court. This article explores the potential reasons for transferring a foreclosure case to federal court, the advantages and drawbacks for homeowners, and the steps involved in the removal process. Understanding your options in federal court could make a difference in the outcome of your case.
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Imagine trusting your bank for a loan modification to save your home, only to lose it instead. Eduardo and Julia Garcia’s experience with Wells Fargo led to a major legal battle, setting a precedent for consumer protection and accountability in wrongful foreclosure cases. Discover the details of this case, its implications for homeowners, and what Wells Fargo’s settlement checks could mean for those impacted.
Chicago Family Wins Big in Wells Fargo Case Read More »
If you’re facing foreclosure in Illinois, one of the most important things you should understand is whether the lender has the right to foreclose on your home. This is called standing. In simple terms, standing means the lender must prove that they have the legal authority to take your house because you haven’t paid your
Challenging Standing in Illinois Foreclosure Cases Read More »
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We specialize in foreclosure and bankruptcy law, providing a lifeline in times of financial challenge.
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