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"Gurus needed! First court date for foreclosure Tuesday!! 5 months hospitalized "

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    "Gurus needed! First court date for foreclosure Tuesday!! 5 months hospitalized "

    "Newbie here – gurus needed! First court date for foreclosure this Tuesday!! after five months hospitalized in past year"

    chicago- IL-COOK COUNTY
    Background: FIVE hospitalizations in the past 14 months -- the most recent of which was TWO MONTHS LONG. Financial situation dire. Formerly excellent credit along with prompt, in-full payments for all debts until September when I was unable to continue making mortgage payments.

    Facts So Far:
    July - continued mortgage payments. Got a housing counselor who initiated application process for Housing Hardship Fund, a federal grant/forgivable loan exclusively for paying back any unmet monthly mortgage debt & fees.

    August-continued mortgage payments. Telephoned Citimortgage while still current to explore options. Chose not to pursue loan modification or forbearance.

    September to present - stopped making mortgage payments.

    Regularly telephoned Citimortgage emails to let them know about pursuing Housing Hardship Fund to re-pay outstanding mortgage payments.

    **No responses or contact to me or my housing counselor from Citi's assigned point person.

    February - (Beginning of)
    2-month hospitalization.

    After months of no replies, received a letter from a law firm representing Citi indicating my home in downtown Chicago, Illinois had been referred for foreclosure.

    February to present - never served a summons.

    Recently learned of my court info through Cook county public record.

    Didn't know anything about "Motion to appear & answer" within 30 days of foreclosure referral until a couple of days ago. So I didn't execute that.

    As Of Today -
    Researched foreclosure timeline(s).
    Studied Illinois Legal Aid Fndn foreclosure site and all sublinks.

    Still in awful medical shape even though I've been discharged from hospital;

    What are my options?
    What would you do next?

    Considering whether I could get a continuance. If so, would that temporarily *suspend* foreclosure process?

    You need to get to a Bankruptcy Attorney TODAY and talk about your situation. The Attorney can put the AUTOMATIC STAY in today which will STOP your FORECLOSURE PROCEEDINGS. Talk to the Attorney NOW!


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