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 20, 2026
Your mortgage payment went up. Start with the escrow breakdown.
A higher payment does not always mean your interest rate changed. For Illinois homeowners, taxes, insurance, and an escrow shortage can each affect the total. Here is how to separate those numbers before the increase becomes a larger problem.
March 18, 2026
You found open building code violations on a Chicago property. Here is how to tell what actually matters
This is where people lose time. They search the address, see violations, and immediately assume the deal is dead or the problem is huge. Sometimes it is. A lot of the time, the real issue is not the violation itself. It is not knowing which record matters, what is still active, and what still needs to be fixed on paper.
March 16, 2026
One bad rehab loan should not wipe out the rest. What Illinois private money lenders need in their documents
This is where private money lenders get hurt. The borrower has multiple projects, one goes sideways, and suddenly you realize your documents were written deal by deal instead of relationship by relationship. Here is what that mistake costs, what a stronger document stack usually covers, and why early legal review saves time in Illinois.
March 11, 2026
You got foreclosure papers in Chicago. Here is what to do this week
When the papers show up, most people freeze. That is normal. The smartest move is not panic, and it is not denial. It is getting organized fast so you can choose a path that fits your stage and your goal.
March 5, 2026
Someone is living in your vacant property in Illinois. What you can do next
This is one of those moments where speed matters, but the first move can either solve the problem or make it worse. The key is figuring out whether you are dealing with a tenant situation or a criminal trespass situation, then taking the right path from there.
March 3, 2026
Mechanic’s liens in Illinois can freeze your sale or refinance. Here is what to know
This is one of those problems that feels small until title gets involved. A contractor says they are owed money, a lien gets recorded, and suddenly your closing or refinance is on pause. Here is what usually triggers a mechanic’s lien, what it can block, and why early legal review saves time.
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