Foreclosure Law in Illinois

This page covers foreclosure law as it applies in Illinois — the state and federal laws that govern it, filing deadlines, where to get help, and notable in-state decisions. For what foreclosure protects generally, see the national overview.

Compiled from primary legal sourcesNot legal adviceHow we source this

Laws that govern foreclosure in Illinois

Illinois state law

Schools › 105 ILCS 45 — Education for Homeless Children Act › Article 1 — Article 1 IL 105 § 105-45-1-17
Schools › 105 ILCS 5 — School Code › Article 2 — State Board of Education - Powers and Duties IL 105 § 105-5-2-3-117a
Higher Education › 110 ILCS 415 — University of Illinois Construction Financing Act IL 110 § 110-415-1
Executive Branch › 20 ILCS 1105 — Energy Conservation and Coal Development Act IL 20 § 20-1105-11
Executive Branch › 20 ILCS 1105 — Energy Conservation and Coal Development Act IL 20 § 20-1105-12
Executive Branch › 20 ILCS 1605 — Illinois Lottery Law IL 20 § 20-1605-9-1

Browse all of Illinois’s statutes →

Federal law

Truth in Lending Act
Federal law designed to protect consumers in their dealings with lenders and creditors by requiring meaningful disclosure of credit terms. Codified at 15 U.S.C. §§ 1601 et seq.
Real Estate Settlement Procedures Act

Where to go & how to get help

Government agencies and non-profit legal-help organizations for foreclosure in Illinois.

U.S. Department of Housing and Urban Development — Avoiding Foreclosureagency
Funds free or low-cost housing counseling nationwide; call 800-569-4287 to find a HUD-approved housing counselor in Florida who can help evaluate your options at no charge.
U.S. Department of Housing and Urban Development — Housing Counselinghotline
Free foreclosure-prevention counseling from HUD-approved agencies nationwide; call 800-569-4287 to find a counselor near you.
USA.gov — Find legal aid and free legal serviceslegal aid
Official U.S. government starting point for finding free or low-cost legal help and legal-aid programs near you.
Legal Services Corporation — Get legal helplegal aid
Locate the LSC-funded legal-aid organization that serves your county for civil (non-criminal) legal problems.
American Bar Association — Free Legal Help & Lawyer Referralbar referral
Find your state or local bar association lawyer-referral service and free legal-answer programs.
USA.gov — State attorney generalagency
Find your state attorney general to file consumer-protection, civil-rights, or other complaints.

Not legal advice. State-specific statutes, deadlines and procedures are being sourced and will appear here.