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.
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 12, 2026
Selling a Home During Foreclosure in Illinois: How It Works and Common Deal Killers
Selling is not giving up. For many Illinois homeowners, a well timed sale is leverage: it can protect equity, reduce damage, and create a clean exit before the case tightens around deadlines.
This guide explains how selling during foreclosure works in real life, what you must coordinate, and the deal killers that blow up closings when time is short.
This guide explains how selling during foreclosure works in real life, what you must coordinate, and the deal killers that blow up closings when time is short.
February 11, 2026
2 to 4 Unit Owners in Trouble: Tenant Issues During Foreclosure in Illinois
If you are a small landlord facing foreclosure, tenant problems can explode fast: rent gets messy, repairs get delayed, and one bad decision can create a second lawsuit on top of the foreclosure.
This article is for Illinois 2 to 4 unit owners who want to avoid expensive mistakes and keep the case, the building, and the tenant situation under control with calm, document first choices.
This article is for Illinois 2 to 4 unit owners who want to avoid expensive mistakes and keep the case, the building, and the tenant situation under control with calm, document first choices.
February 10, 2026
Reverse Mortgage Foreclosure: The Triggers Families Don’t Expect
Reverse mortgages can be a relief for seniors, but families are often blindsided by what counts as a “default.” It is not always missed payments. In Illinois, the most common problems are taxes, insurance, occupancy rules, and paperwork after a borrower passes away.
This guide explains the triggers in plain English and gives you a calm checklist to protect time, options, and the home.
This guide explains the triggers in plain English and gives you a calm checklist to protect time, options, and the home.
February 9, 2026
Behind on HOA Dues and Now You’re Facing Foreclosure: What to Know in Illinois
HOA and condo notices are easy to ignore until they stop being “just letters.” In Illinois, unpaid assessments can turn into a recorded lien and, in some cases, a foreclosure lawsuit that complicates everything else—especially if you’re already behind on your mortgage.
This guide explains how HOA pressure intersects with mortgage foreclosure, what the notices usually mean, and how to reduce risk with calm, document-first next steps.
This guide explains how HOA pressure intersects with mortgage foreclosure, what the notices usually mean, and how to reduce risk with calm, document-first next steps.
February 6, 2026
Foreclosure Scams in Illinois: “Rescue” Offers, Fake Lawyers, and Title Tricks
When foreclosure pressure hits, scammers show up fast with a promise that sounds like relief: “We can stop the sale,” “We’ll negotiate for you,” or “Just sign here and you’ll be protected.”
This article breaks down the most common Illinois foreclosure scams, the red flags people miss, and how to verify real help before you sign anything or hand over documents.
This article breaks down the most common Illinois foreclosure scams, the red flags people miss, and how to verify real help before you sign anything or hand over documents.
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