EV Häs, LLC Attorney at Law Insights
EV Häs, LLC Attorney at Law Articles
Practical guidance on foreclosure defense, mortgage disputes, debtor rights, and Chicago-area real estate—so you understand your options and next steps.
October 26, 2026
A partial claim is help with arrears, not erased debt.
If your FHA servicer proposes a partial claim, look beyond the immediate payment relief. Understand the separate obligation and how it may affect a later sale or refinance.
October 21, 2026
Your mortgage includes insurance you did not choose. Start with the coverage dates.
A force-placed insurance charge can create confusion and a larger bill. Illinois homeowners should separate an actual coverage gap from missing proof or an escrow payment issue.
October 21, 2026
Money left your bank. Why does the mortgage still show past due?
A payment can reach the servicer without being applied as a full monthly installment. Understanding partial payments and unapplied funds helps Illinois homeowners ask the right questions before the account falls further behind.
October 21, 2026
New mortgage company. Same loan. Check the handoff.
A new payment portal can create more than a login problem. Illinois homeowners should verify where the next payment goes, what records transferred, and whether a pending assistance request is still moving.
October 20, 2026
You sent the mortgage documents. Is your application actually complete?
Uploading a packet and completing an application are not always the same thing. This checklist helps Illinois homeowners organize the request, confirm what remains missing, and avoid confusing a servicer review with a court deadline.
October 20, 2026
Bringing the loan current is not the same as paying it off.
A mortgage statement, a reinstatement quote, and a payoff statement can show very different amounts. Before moving money, Illinois homeowners need to understand what each figure is intended to accomplish.
October 20, 2026
Your first foreclosure consultation does not need a perfect file.
It needs the right starting information. For Illinois homeowners, a short timeline, complete notices, and a clear goal can make the conversation more useful, whether the first missed payment is recent or a lawsuit has already begun.
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Tell us what notice you received or your next court date. We’ll confirm where you are in the process and recommend your strongest next move—without panic or guesswork.
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