Foreclosure Assistance

If you are  in foreclosure, you should be aware that a new Illinois law requires mortgage lenders to provide homeowners with a notice of their legal rights and options when filing a foreclosure lawsuit.  The Homeowner’s Rights Act (Public Act 095-0961) requires lenders to provide borrowers with a clear notice of their legal rights and options when they are served with a foreclosure suit.  This notice must advise homeowners that they can sell their home, refinance or pay off the loan during the redemption period.  It will also advise homeowners to call their mortgage company to discuss alternatives to foreclosure.

The law also requires lenders to provide borrowers with an accurate statement of the outstanding mortgage balance within 10 days of the borrower’s request.  By telling homeowners exactly how much they must pay to avoid foreclosure, these payoff statements permit homeowners to quickly explore their options, such as refinancing the loan or selling their home to protect their equity.

 

Homeowner’s Rights Notice (Statewide)

Homeowner’s Rights Notice (en Espanol) (Statewide)

Homeowner’s Rights Act (Public Act 095-0961)

Circuit Clerk

Greg Vaccaro

Phone / Hours

Child Support Division:

Phone: 815-433-0774
Fax: 815-433-9198
119 W. Madison Street, Room 200
Ottawa, IL 61350

Civil Division:

Phone: 815-434-8671
Fax: 815-433-6647
119 W. Madison Street, Room 201
Ottawa, IL 61350

Traffic/Criminal Division:

Phone: 815-434-8271
Fax: 815-434-8299
707 Etna Road, Room 141
Ottawa, IL 61350

Office Hours:

8:00am - 4:30pm
Monday - Friday

Walk-in Divorce

Mon, Wed, Fri
9:00am - 10:00am

Walk-in Probate/Guardianship

Tues, Wed, Thurs
9:00am - 10:00am