Attorneys are expected to assist their clients to the best of their ability, which is why gathering the necessary information at the outset of the case is so important. This informative presentation offers a checklist of the basic questions to ask the client and discusses what issues to look for as you prepare for the case. Avoiding the uncollectible case is also discussed.

In preparing for a case, it is imperative that an attorney knows the best course of action in providing viable defenses for a client - and when to execute those defenses. This segment explores several preparatory issues, including affirmative defenses, counterclaims, truth in lending concerns, discovery (or no discovery), and timeframes. The Fair Debt Collection Practices Act is also explored. 

Due to the Illinois Supreme Court’s initiative, Illinois counties are encouraged to develop foreclosure mediation programs, which provide another avenue for the homeowner and lender to work towards resolving the issues in a more streamlined process. This session examines the recommended foreclosure mediation program, as well as other foreclosure-based initiatives.

Applying for a loan modification can be a tedious process for the homeowner. This presentation offers a better understanding of the loan modification process, as well as insight on the lender’s perspective, required paperwork, time frame, and what to expect.

There are pros and cons to filing bankruptcy both before and after the homeowner has been served with the foreclosure complaint - and the homeowner’s intention will determine which option the attorney should suggest. This session discusses Chapter 7 bankruptcy, Chapter 13 bankruptcy, principle and interest payments, tax concerns, and what to expect once the bankruptcy case is closed, including discharge vs. dismissal.

Being in foreclosure can oftentimes have a major impact on other areas of the homeowner’s life. This segment shows how foreclosure intersects with other areas of the law, including family law, divorce, and landlord/tenant issues.

Foreclosure is a stressful and frightening time for homeowners, making it important for attorneys to not only understand what happens after the judgment for foreclosure is entered by the court, but to also be able to explain these final steps to the client. This in-depth review examines how foreclosure comes to a close - from the homeowner exiting the property to the lender taking possession - as well as the judicial/sheriff’s sale, confirmation, and last efforts to recoup property.

Gain a better understanding of the various ethical issues and conflicts which may arise during the course of a foreclosure case.