An attorney in Hinsdale, IL, Cynthia Ann Miller represents clients dealing with various real estate matters. Working through her offices in Downers Grove, Naperville, and Hinsdale, IL, Cynthia Miller handles legal issues involving such matters as suits for partition, easement enforcement, and foreclosures.

In Illinois, the foreclosure process takes roughly 12 to 15 months to complete. The process begins when a homeowner is unable to pay their mortgage. When payment is about one to two months late, most homeowners will receive a call from their lender. At this time, they can explain the reasons behind the missed payment.

By the third missed payment, lenders will normally send an intent to foreclose notice. Lenders will contact an attorney and the foreclosure will be on the public record. Homeowners are then served with a summons by about four months past the first missed payment.

After being served, homeowners are expected to respond within 30 days; otherwise, a default motion and judgment may be entered against them. A homeowner’s right to reinstate their loan usually expires 90 days after being served and their right to redemption normally ends either seven months after being served or three months after judgment.. Eventually, the property is sold at auction. Homeowners receive an order for eviction and sale confirmation 15 days after the sale and have 30 days to move out.