Real Estate Law

In re Application of the County Treasurer & ex officio County Collector of Lake County Illinois

Illinois Appellate Court
Civil Court
Tax Lien
Citation
Case Number: 
2019 IL App (2d) 180727
Decision Date: 
Wednesday, July 24, 2019
District: 
2d Dist.
Division/County: 
Lake Co.
Holding: 
Reversed and remanded.
Justice: 
HUTCHINSON

Section 22-35 of Property Tax Code does not  include special district liens, and thus the legislature did not intend to allow them as a basis to petition for a sale in error on the basis of such a lien. (SCHOSTOK and SPENCE, concurring.)

Public Act 101-135

Topic: 
Emancipation of minors

(Welter, R-Morris; McConchie, R-Lake Zurich) deletes language stating that no order of complete or partial emancipation may be entered if there is any objection by the minor’s parents or guardian. Instead, it provides that such an order may be entered if the court finds, in a hearing, that emancipation would be in the minor’s best interests. Effective immediately. 

 

Public Act 101-163

Topic: 
Advance directives

(Morrison, D-Deerfield; Moeller, D-Elgin) requires that the Department of Public Health study the feasibility of creating a statewide registry of advance directives and POLST (practitioner order for life-sustaining treatment) forms. It also allows the various advance directives to be in hard or electronic format under the Illinois Commerce Security Act (5 ILCS 175/5-115).

Effective January 1, 2020.

Taylor v. Bayview Loan Servicing

Illinois Appellate Court
Civil Court
Foreclosure
Citation
Case Number: 
2019 IL App (1st) 172652
Decision Date: 
Thursday, July 25, 2019
District: 
1st Dist.
Division/County: 
Cook Co., 4th Div,
Holding: 
Affirmed.
Justice: 
REYES

Court properly dismissed pro se complaint for wrongful foreclosure. Complaint was barred by section 15-1509(c ) of Mortgage Foreclosure Law, as a final judgment had been entered in foreclosure action and title to property had vested in another entity. Section 15-15-9(c ) of Foreclosure Law operates as an entire bar of all claims of the parties to a foreclosure after title has vested by deed. Order substituting Plaintiff as the party plaintiff was not void, as court had personal jurisdiction over Defendants and also subject-matter jurisdiction. (McBRIDE and BURKE, concurring)

Public Act 101-97

Topic: 
Mortgage Act

(Walker, D-Arlington Heights; Murphy, D-Des Plaines) adds a person authorized by the mortgagor, grantor, heir, legal representative, or assign to the list of those who may request that the mortgagee of real property execute and and deliver a release of a mortgage or deed of trust. If any mortgagee or trustee does not, within 30 days (rather than "one month") after the payment of the debt secured by the mortgage or trust deed complies with specific requirements, then it is liable for the sum of $200 to the aggrieved party. The successor in interest to the mortgagee or trustee is not be liable for the $200 penalty if it complies with specific requirements within 30 days (rather than "one month") after succeeding to the interest.

Effective January 1, 2020. 

U.S. Bank v. Laskowski

Illinois Appellate Court
Civil Court
Mortgage Foreclosure
Citation
Case Number: 
2019 IL App (1st) 181627
Decision Date: 
Tuesday, July 16, 2019
District: 
1st Dist.
Division/County: 
Cook Co., 2d Div,
Holding: 
Affirmed.
Justice: 
HYMAN

In mortgage foreclosure action, Plaintiff bank sought a deficiency judgment solely against Defendant Laskowski, an individual whose loan was secured by a mortgage on residential property. The  LLC (of which Laskowski was the sole member) to whom Laskowski purported to grant an equitable interest in the property by recorded Memorandum of Equitable Interest, was not a party against whom personal liability is asserted, and is not a mortgagor.Thus, Plaintiff bank was not required to serve process on LLC and court properly dismissed its Section 2-1401 petition to quash service and vacate the default judgment. As a bona fide purchaser had already purchased the property, LLC cannot collaterally attack foreclosure judgment.(PUCINSKI and MASON, concurring.)

JPMorgan Chase Bank, National Ass'n v. Jones

Illinois Appellate Court
Civil Court
Mortgage Foreclosure
Citation
Case Number: 
2019 IL App (1st) 181909
Decision Date: 
Thursday, June 20, 2019
District: 
1st Dist.
Division/County: 
Cook Co., 4th Div,
Holding: 
Affirmed.
Justice: 
GORDON

Court entered judgment for Plaintiff bank in foreclosure action as to owner-occupied single-family home. Court does have personal jurisdiction over Defendant (who is pro se), as she filed a general appearance, a verified answer, and numerous motions. Defendant failed to prove Plaintiff's lack of standing. Record contains assignment of mortgage, in which original lender assigned mortgage to Plaintiff. Record shows that Defendant had advance notice of the judicial sale. Defendant may not raise arguments on behalf on any other party.(McBRIDE and REYES, concurring.)

Senate Bill 1134

Topic: 
Foreclosure service by publication

(Harmon, D-Oak Park; Bristow, D-Alton) allows service by publication for foreclosure if the defendant resides outside of or has left the State, on due inquiry cannot be found, is concealed within the State so that process cannot be served upon him or her, or that the place of residence of the defendant cannot be ascertained. If the defendant’s residence is known, that must be alleged in the plaintiff’s affidavit seeking service by publication. Publication must be made in some newspaper published in the county in which the action is pending or, under certain circumstances, in a newspaper published in an adjoining county. Requires the clerk to send a copy by mail addressed to each defendant whose place of residence is stated in the affidavit within 10 days of the first publication of the notice. 

Passed both chambers. Effective January 1, 2020 if the Governor signs the bill into law. 

Senate Bill 181

Topic: 
Post-judgment changes

(Mulroe, D-Chicago; Martwick, D-Chicago) makes the following changes to post-judgment proceedings. (1) Provides that a judgment creditor is entitled to prosecute citations to discover assets (instead of supplementary proceedings) for the purposes of examining the judgment debtor or any other person. (2) Deletes language providing that it is not a prerequisite to the commencement of a supplementary proceeding that a certified copy of the judgment has been returned wholly or partly unsatisfied. (3) Provides that summons shall be returnable not less than 21 nor more than 40 days (rather than 30 days) after the date of issuance. (4) Provides that summons shall be served with one copy (rather than four copies) of the interrogatories and that a summons shall be served in the same manner as provided by the Illinois Supreme Court Rule for additional relief on a party in default.

Passed both chambers and takes effect immediately if the Governor signs it into law. 

House Bill 88

Topic: 
Consumer debt and collections

(Guzzardi, D-Chicago; Martinez, D-Chicago) provides that a “consumer debt judgment” of $25,000 or less draws interest at the rate of 5% per annum. A consumer debt judgment may be revived by filing a petition to revive the consumer debt judgment no later than 10 years after its entry. If a judgment or consumer debt judgment becomes dormant during an enforcement proceeding against wages, the enforcement may continue to conclusion if the enforcement is done under court supervision and includes a wage-deduction order or turn-over order and is against an employer, garnishee, or other third party respondent.

Passed both chambers. If signed into law by the Governor, it will take effect on January 1, 2020 and applies to all consumer debt judgments entered into after this date.