"Newbie here – gurus needed! First court date for foreclosure this Tuesday!! after five months hospitalized in past year"
chicago- IL-COOK COUNTY
Background: FIVE hospitalizations in the past 14 months -- the most recent of which was TWO MONTHS LONG. Financial situation dire. Formerly excellent credit along with prompt, in-full payments for all debts until September when I was unable to continue making mortgage payments.
Facts So Far:
July - continued mortgage payments. Got a housing counselor who initiated application process for Housing Hardship Fund, a federal grant/forgivable loan exclusively for paying back any unmet monthly mortgage debt & fees.
August-continued mortgage payments. Telephoned Citimortgage while still current to explore options. Chose not to pursue loan modification or forbearance.
September to present - stopped making mortgage payments.
Regularly telephoned Citimortgage emails to let them know about pursuing Housing Hardship Fund to re-pay outstanding mortgage payments.
**No responses or contact to me or my housing counselor from Citi's assigned point person.
February - (Beginning of)
2-month hospitalization.
After months of no replies, received a letter from a law firm representing Citi indicating my home in downtown Chicago, Illinois had been referred for foreclosure.
February to present - never served a summons.
Recently learned of my court info through Cook county public record.
Didn't know anything about "Motion to appear & answer" within 30 days of foreclosure referral until a couple of days ago. So I didn't execute that.
As Of Today -
Researched foreclosure timeline(s).
Studied Illinois Legal Aid Fndn foreclosure site and all sublinks.
Still in awful medical shape even though I've been discharged from hospital;
Questions:
What are my options?
What would you do next?
Considering whether I could get a continuance. If so, would that temporarily *suspend* foreclosure process?
chicago- IL-COOK COUNTY
Background: FIVE hospitalizations in the past 14 months -- the most recent of which was TWO MONTHS LONG. Financial situation dire. Formerly excellent credit along with prompt, in-full payments for all debts until September when I was unable to continue making mortgage payments.
Facts So Far:
July - continued mortgage payments. Got a housing counselor who initiated application process for Housing Hardship Fund, a federal grant/forgivable loan exclusively for paying back any unmet monthly mortgage debt & fees.
August-continued mortgage payments. Telephoned Citimortgage while still current to explore options. Chose not to pursue loan modification or forbearance.
September to present - stopped making mortgage payments.
Regularly telephoned Citimortgage emails to let them know about pursuing Housing Hardship Fund to re-pay outstanding mortgage payments.
**No responses or contact to me or my housing counselor from Citi's assigned point person.
February - (Beginning of)
2-month hospitalization.
After months of no replies, received a letter from a law firm representing Citi indicating my home in downtown Chicago, Illinois had been referred for foreclosure.
February to present - never served a summons.
Recently learned of my court info through Cook county public record.
Didn't know anything about "Motion to appear & answer" within 30 days of foreclosure referral until a couple of days ago. So I didn't execute that.
As Of Today -
Researched foreclosure timeline(s).
Studied Illinois Legal Aid Fndn foreclosure site and all sublinks.
Still in awful medical shape even though I've been discharged from hospital;
Questions:
What are my options?
What would you do next?
Considering whether I could get a continuance. If so, would that temporarily *suspend* foreclosure process?
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