EV Häs Insights
EV Häs Articles
Practical guidance on foreclosure defense, mortgage disputes, debtor rights, and Chicago-area real estate—so you understand your options and next steps.
February 13, 2026
Deed in Lieu of Foreclosure in Illinois: When It Helps and When It Backfires
A deed in lieu can feel like the clean, quiet exit. Sometimes it is. Other times it backfires because of junior liens, paperwork gaps, or a lender that simply will not accept it.
This guide explains what lenders usually want, why second liens change everything, and how to decide if deed in lieu is a smart move for your Illinois timeline.
This guide explains what lenders usually want, why second liens change everything, and how to decide if deed in lieu is a smart move for your Illinois timeline.
February 4, 2026
Judgment of Foreclosure in Illinois: What It Means (and What It Doesn’t)
The word “judgment” sounds final. In an Illinois foreclosure, it’s usually a turning point, not the end of the road.
This guide explains what a judgment typically changes, what it does not change, and why strategy often shifts at this stage.
This guide explains what a judgment typically changes, what it does not change, and why strategy often shifts at this stage.
February 3, 2026
Illinois Sheriff’s Sale: What It Is, What People Get Wrong, and What Options May Still Exist
A sheriff’s sale feels like the end of the story, which is exactly why people panic and make expensive decisions fast.
This guide explains what a sheriff’s sale actually is in an Illinois foreclosure, what the timeline feels like when it’s real, and why smart last-minute planning can still protect options.
This guide explains what a sheriff’s sale actually is in an Illinois foreclosure, what the timeline feels like when it’s real, and why smart last-minute planning can still protect options.
February 2, 2026
Servicer Errors That Push People Into Foreclosure (And How to Document Them)
Most homeowners do not “choose” foreclosure. Sometimes it starts with something smaller that snowballs: a payment that gets applied wrong, an escrow mix-up, insurance charges that appear out of nowhere, or a document packet that mysteriously goes missing.
This guide shows what these servicer errors look like in real life and how to build a clean paper trail so you can protect your options in Illinois.
This guide shows what these servicer errors look like in real life and how to build a clean paper trail so you can protect your options in Illinois.
January 30, 2026
Dual Tracking in Illinois: When Your Servicer Negotiates and Forecloses at the Same Time
It happens more than people expect: you’re uploading documents for “review,” getting hopeful updates, and then a court notice shows up anyway.
Dual tracking is what it looks like when the loan-modification conversation keeps moving while the foreclosure case keeps moving too—and homeowners get crushed in the gap.
Dual tracking is what it looks like when the loan-modification conversation keeps moving while the foreclosure case keeps moving too—and homeowners get crushed in the gap.
January 28, 2026
Loss Mitigation (Illinois): Modification, Repayment Plan, Short Sale, Deed-in-Lieu
If you are behind on payments in Illinois, “loss mitigation” is the menu of options that can keep a bad month from turning into a foreclosure case.
This guide explains the four paths homeowners ask about most, what each one usually requires, and how to choose the option that fits your timeline.
Call (312) 775-0980 or request a free case analysis for clear next steps.
This guide explains the four paths homeowners ask about most, what each one usually requires, and how to choose the option that fits your timeline.
Call (312) 775-0980 or request a free case analysis for clear next steps.
January 27, 2026
Mortgage Forbearance Ending? What to Watch Before It Turns Into Foreclosure
If your mortgage forbearance is ending and your payment is about to change, this is the moment to get organized. In Illinois, the fastest way to lose options is to wait until a lawsuit is filed.
Call (312) 775-0980 or request a free case analysis to get clear next steps based on your documents and timeline.
Call (312) 775-0980 or request a free case analysis to get clear next steps based on your documents and timeline.
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