"Newbie here – gurus URGENTLY needed! First court date for foreclosure this coming Tuesday after five months hospitalized in past year"
CHICAGO, COOK COUNTY, ILLINOIS
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:7/16 - continued making 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.8/16 - continued mortgage payments. Telephoned Citimortgage while still current to explore options. I chose not to pursue loan modification or forbearance due to medical duress.9/16 to present - stopped making mortgage payments.Regularly telephoned/responded to Citimortgage emails to let them know I'm pursuing Housing Hardship Fund to re-pay outstanding mortgage payments.**No responses or contacts whatsoever to me or my housing counselor from Citi's assigned point person.
10/16 - Began receiving Medicaid
Began filling out application for SSI.2/17 - 3/172-month hospitalizationAfter 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.2/17 to present - never served a summons while in the hospitalOnly recently told of my court info through Cook county public record, but I don't know how to look that up.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 & financial shape even though I've been discharged from hospital.
Questions:What are my options?What would you do next?What, if any, are considered valid reasons for me as the borrower to request a continuance? Would that temporarily *suspend* foreclosure process?
Thank you for you for your valuable time with specific replies.