Illinois Appellate Court
Civil Court
Mortgage Foreclosure
Court properly entered summary judgment for bank in foreclosure action. Although bank failed to offer proof from Postal Service of dispatch of notification by certified mail, as required by HUD regulations, Defendants, who had been discharged in bankruptcy without reaffirmation, and thus there was no contract to remediate or ameliorate, and thus sending letter seeking face-to-face meeting would be futile.(JORGENSEN and SCHOSTOK, concurring.)