A lawsuit, a judge and a docket — and three deadlines that all run from the date the summons reached you, not the date you fell behind. Ninety days to reinstate by paying only the arrears. Seven months to redeem. Thirty days to answer, which is the one that decides whether anybody ever checks the numbers.
Not sure what date to put in? Tell us which paper you were sent and we will work the timeline out backwards from it.
Each is a different statute.
When you first fell behind.
Local pace is the variable.
Past steps fade out.
FHA and VA add steps.
A tenant gets 90 days under federal law.
Reinstatement is the right most Illinois homeowners never use: for 90 days after you are served you can cure by paying only the arrears plus costs, and the case must be dismissed. Ask for the figure in writing the same week.
Rights that exist because the property is in Florida, whatever a servicer tells you on the phone.
Regional legal aid programmes take foreclosure cases at no cost if you qualify by income. Start at FloridaLawHelp.org, which routes you to the programme covering your county.
HUD-approved housing counsellors are free everywhere in the state — 1-800-569-4287. Several circuits also run residential foreclosure mediation; ask the clerk whether yours does.
Anyone who contacts you first, guarantees they can stop the sale for a fee paid up front, or asks you to sign the deed over is running a scam. Never sign a deed to someone promising to save your home.
Verified 8 September 2026 against the 2025 Florida Statutes and the Rules of Civil Procedure. That audit corrected ten items, including a dead citation for the deficiency limitation period, the wrong authority for the writ of possession, and a surplus claim deadline repealed in 2019. Statute text was verified; appellate case law was not, and two items — the paragraph 22 defence and current circuit mediation programmes — rest partly on secondary sources and should be confirmed by a Florida attorney before launch.
Short answers, each one sourced to the statute cited on this page.
A typical uncontested Illinois foreclosure runs roughly 490 days from the first missed payment to the judicial sale, and longer in Cook County. Illinois is a judicial state, so the lender must file suit, serve you and obtain a judgment, and the redemption period must expire before any sale can be held.
Illinois is a judicial foreclosure state. Nobody can sell your home without filing a lawsuit in the circuit court, serving you, obtaining a judgment of foreclosure, and then having a judge confirm the sale afterwards.
Thirty days from the date you were served, not counting the day of service, under Illinois Supreme Court Rule 101(d). Missing it lets the lender take a default judgment, after which the court decides only how much you owe rather than whether you owe it.
Yes. Under 735 ILCS 5/15-1602 you may cure the default by paying only the arrears plus costs within 90 days of being served, and the foreclosure must then be dismissed. You do not have to pay the accelerated balance. Once a court expressly finds you reinstated, the statutory right is unavailable for five years.
Yes, and it runs before the sale rather than after it. Under 735 ILCS 5/15-1603 the redemption period ends on the later of seven months from the date you were served or three months from the entry of the judgment of foreclosure. If a court finds the property abandoned it collapses to 30 days after judgment.
The order confirming the sale awards possession to the buyer only as of the date 30 days after the order is entered, under 735 ILCS 5/15-1508(g). Only the sheriff may carry out the eviction, and in Cook County the backlog often adds weeks.
Yes. Under 735 ILCS 5/9-102(a)(7) an Illinois condominium association may file an eviction action for possession of your unit over unpaid assessments and rent it out until the arrears are paid, without ever foreclosing. You keep the title throughout, and paying the amount the court finds due ends their right to possession.