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Legal Services

Foreclosure

Foreclosure

Nobody goes into a real estate transaction expecting that their interest in the property will be foreclosed on. Unfortunately, however, this happens more often than you might think.

Being a defendant in a foreclosure action is nothing to be ashamed of. We know that this is something many people face, especially during these ever-changing and uncertain times. Don’t give up hope—you don’t have to handle this alone.

If you are facing a foreclosure action, the professionals at Vantage Group Legal Services can connect you with an experienced Chicago foreclosure defense attorney for one monthly fee. We will help you understand your options, fight for your rights, and avoid foreclosure where possible.

Loan Modification

In some cases, you might be able to avoid foreclosure through a loan modification.
A mortgage loan modification is a loss mitigation technique that can help you prevent a foreclosure from occurring.

If you are or have been experiencing difficulties keeping up with your monthly mortgage payments, you may be able to negotiate a change to the original terms of your mortgage promissory note. This might look like a reduction in your monthly payments but an increase to the total length of your loan term. While you may end up making payments for a longer period of time, ultimately, this can still be a great alternative to losing your home entirely in a foreclosure action.

A skilled foreclosure attorney can help you gather the information you will need to request a loan modification and negotiate terms that are favorable to you.
Deed in Lieu of Foreclosure

If you miss scheduled payments on your mortgage, your lender may consider foreclosing on your interest in the property. When this happens, everything can feel uncertain. Fortunately, however, there are options available that may allow you to avoid a foreclosure action.

A deed in lieu of foreclosure is one such option.

A deed in lieu is an agreement in which you turn over the deed to the property in exchange for the lender releasing you of your mortgage responsibilities. While you will no longer have any ownership interest in the property, the benefit is that you can avoid a foreclosure and many of the negative effects that come along with it.

Bankruptcy

Bankruptcy

Financial hardships can arise in many different scenarios, often when we least expect it.

When you are faced with more debt than you can handle, it can feel tempting to want to give up. Fortunately, however, filing for bankruptcy can provide a way out.

The word “bankruptcy” has a lot of negative connotations associated with it. But depending on your specific scenario, bankruptcy can actually be the right option.
If you are considering filing for bankruptcy, you are not alone. In fact, in 2019, there were nearly 800,000 total bankruptcy filings.

Bankruptcy is designed to get rid of debt and give debtors a fresh start. While the process is not easy, a skilled bankruptcy attorney can help you understand your options and guide you through the process.

Chapter 7

Chapter 7 bankruptcy is a process by which debtors are provided the opportunity to get rid of most of their existing debts and start over with a “clean slate.” It is also referred to as “liquidation” or “straight bankruptcy.”

Of course, filing for Chapter 7 bankruptcy also has its downsides. In the course of a Chapter 7 bankruptcy, the debtor must sell their assets and give up their property. Additionally, filing for bankruptcy will have an adverse impact on your credit.

In the long run, however, the benefits may still outweigh the drawbacks, freeing you from your debts and allowing you to have a fresh start.

Chapter 13

Another type of bankruptcy is Chapter 13 bankruptcy. It is also referred to as “reorganization” bankruptcy.

Chapter 13 bankruptcy differs from Chapter 7 bankruptcy in a few key respects. In a Chapter 7 bankruptcy, debtors sell their assets to credits to get rid of their debts in one fell swoop. Those who file for Chapter 13 bankruptcy, on the other hand, instead set up repayment plans to use their income to gradually pay off their debts.

It is important to note, however, that not all people qualify for Chapter 13 bankruptcy. And even if you do qualify, there are many steps that you will need to take to complete the process.

Contact a qualified bankruptcy attorney today to discuss your case and see if Chapter 13 bankruptcy is right for you.

Family Law

Family Law

This is a complicated area of the law that often involves some of the most difficult issues. Family law includes divorce and separation, custody arrangements, spousal and child support, modification or enforcement of court orders, and prenuptial and postnuptial agreements. Emotions run high in family law matters, and these legal issues can lead to life-altering changes for all parties involved.

Because of the high stakes involved in family law matters, it is crucial to have an experienced family law attorney in your corner.

Divorce

Divorce occurs when a marriage is legally terminated.

Going through a divorce can be a traumatic experience. And to make matters worse, a divorce can be a complex legal process.

Issues that are considered during a divorce include property distribution, child custody and support arrangements, and in some cases, spousal support. All of these topics must be addressed to finalize the divorce.

If you and your spouse have agreed to the issues that need to be addressed in your divorce, you may be able to file an uncontested divorce. This is typically a more cost-effective option, but it is not possible in all scenarios. When spouses cannot agree on key issues, a contested divorce is likely the only option.

Regardless of whether the divorce is contested or uncontested, the fact remains that a divorce is often emotional and messy. Vantage Group Legal Services can help connect you with qualified legal professionals and divorce attorneys to help you get through this difficult time.

Spousal Support

Sometimes referred to as alimony, spousal support is typically an issue that is hotly contested during a divorce.

Spousal support is ordered when one spouse will need financial support from the other following the divorce. The spouse seeking support must demonstrate a need for the support, and the other spouse must have the means to pay the support.

The judge in your divorce case will determine spousal support. Additionally, it is important to note that a judge has broad discretion to award spousal support.

In determining whether spousal support is appropriate and what should be awarded, the court will consider factors such as:

  • The standard of living during the marriage;
  • The length of the marriage;
  • Each spouse’s individual income;
  • Property owned by each individual spouse;
  • The future earning capacity of each individual spouse; and
  • The specific needs of each spouse.

Spousal support can be an important part of a divorce. Thus, it’s important to have someone in your corner who understands the law and who will fight for your interests.

Child Custody

Fighting for the custody of your child can be expensive and emotionally draining.
There are two aspects of custody to consider in Illinois: legal and physical custody.
Legal custody determines which parent makes important decisions on the child’s behalf. This includes which school he or she will attend, what religion will be supported in the home, and medical decisions. If parents have joint legal custody, they will make these decisions jointly.

Physical custody, on the other hand, determines who the child will primarily live with. If one parent has sole physical custody, the other parent will typically have regular visitation rights. Parents may also share joint physical custody.

When judges are faced with a child custody case, the court will seek to accommodate the best interest of the child. Several factors are considered in making this evaluation. An experienced child custody lawyer can help you navigate your child custody case.

Military Divorce

Divorce is a complicated process as it is. When one or both spouses are military members, it can become even more difficult.

As a general rule, parties must reside in Illinois for 90 days to meet the residency requirements to file for a divorce in the state. This also applies to active-duty military members who are stationed in Illinois for 90 days or more.

If your spouse is an active-duty member when you file for divorce, the divorce papers must be served on your spouse in person. If your divorce is uncontested, the spouse can waive the affidavit and forego receiving the papers in person.

Federal law protects members of the military from being divorced without knowing the action was filed. The Servicemembers Civil Relief Act allows a military divorce in Illinois to be postponed if the spouse is on active duty. The active-duty spouse can waive these protections if he or she wants the divorce to move forward.

While a military divorce can be complicated, an attorney can help you understand the process and ensure that your divorce goes as smoothly as possible.

Personal Injury

Personal Injury

If you have ever suffered a personal injury due to the actions of someone else, you may have a legal claim for recovery.

A personal injury claim allows you to seek monetary compensation from a party who was at fault in causing your injuries. This is often a great way for accident victims to get the compensation they need to recover in the aftermath of an accident.

Examples of damages for which you can recover compensation in a personal injury lawsuit include:

  • Past and future medical expenses;
  • Property damage repair and replacement;
  • Loss of income and earning capacity due to your injuries;
  • Pain and suffering;
  • Loss of companionship; and
  • Loss of enjoyment of life.

If you or a loved one has suffered injuries at the hands of another, contact a personal injury attorney today to discuss your case and see what you can do to begin your process toward recovery.

Car Accidents

A car accident can turn your world upside down.

In the aftermath of a car accident, victims are often faced with personal injuries, property damage, financial hardships, and emotional trauma. So what can you do after a car accident to address these complicated issues?

A personal injury lawsuit can provide you with a way to get the compensation you need and deserve after your car accident. Though it can feel stressful to take this on, you don’t have to handle this on your own.

If you have sustained injuries in a car accident, a personal injury attorney can help you fight for your rights and work toward recovery. At Vantage Group Legal Services, we can connect you with an experienced car accident attorney to get you the best legal representation for your case.

Truck Accidents

Truck accidents are some of the most devastating personal injury accidents that can occur.

The size and weight of commercial trucks coupled with the speed at which they travel can lead to severe consequences in the aftermath of an accident. For this reason, extensive regulations exist to better protect both truck drivers and other drivers on the road.

Unfortunately, however, truck drivers don’t always follow these regulations.
Some of the most common causes of semi-truck accidents include:

  • Improper cargo loading,
  • Poor truck maintenance,
  • Poor training,
  • Driver fatigue, and
  • Speeding.

If you sustain injuries in a truck accident due to any of the above, you may have a legal claim against the truck driver, the trucking company, or both.

An attorney can help you assess your potential claims and determine your best pathway toward recovery.

Motorcycle Accidents

Many people love the simultaneous thrill and sense of calm that comes with riding a motorcycle. However, the fact remains that motorcycles are some of the most dangerous modes of transportation that exist.

In fact, in 2017, motorcyclists were 27 times more likely to die in an accident than passenger cars per vehicle mile traveled. Despite increases in motorcycle safety and a rise in helmet use by riders, there is never any way to prevent involvement in a motorcycle accident with any certainty.

Due to the size of motorcycles compared to passenger vehicles and trucks, they can be less visible to other vehicles and more susceptible to being hit. Further, motorcycles are less stable than vehicles with more than 2 wheels.

If you are a motorcyclist who has sustained injuries in an accident, contact an attorney today to see how you can recover.

Slip and Fall

One of the most common types of personal injury accidents is the “slip-and-fall” case.
You may have heard of slip-and-fall accidents before but never given them much thought. Surprisingly, however, slip-and-fall accidents can result in significant injuries and potentially complicated legal proceedings.

A slip-and-fall accident can lead to many complications, including:

  • Extensive physical injuries,
  • Medical expenses,
  • Time away from work as you recover,
  • Lost earning capacity, and
  • Emotional trauma.

Dealing with these issues can be stressful and overwhelming. But all of them are damages for which you may be able to receive compensation.

If you want to know more about how to recover in the aftermath of your slip-and-fall accident, a personal injury attorney can help.

Vantage Group Legal Services can connect you with a competent personal injury attorney to get you the compensation you need to recover.

Immigration

Immigration

Immigrants are essential to what makes America “America.” Unfortunately, however, countless immigrants live in fear each day of what will become of their future.

If you or a loved one is facing immigration challenges, we want to help.

At Vantage Group Legal Services, we will connect you with the best possible legal representation to help you fight for your rights and maintain your legal status in the United States. Examples of services our network immigration attorneys can assist with include:

  • Navigating the immigration process;
  • Renewing DACA status; and
  • Applying for and obtaining visas and citizenship.

We know how important these issues are to you and your family, and we will do everything in our power to advocate for your rights and get you the help you need.

Civil Litigation

Civil Litigation

The concept of civil litigation can seem intimidating if you are unfamiliar with how the process works. Sometimes, however, you just can’t avoid involvement in a civil lawsuit. So what do you do if you are considering bringing a lawsuit against someone else or if you are haled into court by another party?

You can always handle a lawsuit on your own, but why do so if you don’t have to?
The civil litigation process can be lengthy and complex, regardless of whether you are the plaintiff or defendant. A civil litigation attorney who handles lawsuits for a living can be a great asset to you and your case.

An experienced litigator can help you:

  • Analyze your case,
  • Draft and file court paperwork,
  • Negotiate with opposing parties, and
  • Prepare for and take your case to trial if and when it becomes necessary.

If you are in need of a Chicago civil litigation attorney, look no further. Contact Vantage Group Legal Services for a free consultation to discuss our services and get connected with a seasoned civil litigator in our attorney network.

Vantage Group Library

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Low-Cost Lawyer for Uncontested Divorce in Chicago

Yes, There Are Good Options for Hiring a Low-Cost Divorce Lawyer in Chicago Let’s face it—divorce can be a complicated topic.  Nobody goes into a marriage thinking it will result in divorce later on. Nevertheless, couples choose to end their marriages for a variety of different reasons.  Regardless of their reasons, parties often want to keep divorce proceedings as quick and cost-effective as possible. Hiring an attorney for your divorce can actually be one of the best ways to achieve these goals. Are you considering an uncontested divorce in Chicago or looking for affordable divorce lawyers in Chicago? If so, contact Vantage Group Legal today. Our team of professionals can help connect you with divorce attorneys in the area for one low monthly fee. Give us a call today to learn more about our unique services. Let’s discuss how we can help you save both time and money. Low-Cost Options for Divorce in Chicago, Illinois As with any other legal process, a divorce has the potential to be expensive and time-consuming. However, it doesn’t necessarily have to be. In fact, there are a few options in which a low-cost divorce might not be outside the realm of possibility.  File for Divorce Without the Assistance of an Attorney Of course, one way to achieve a cheap divorce in Chicago is to attempt to navigate the process on your own without the assistance of a divorce lawyer. However, this is generally not recommended.  The fact remains that a divorce is a legal process with specific requirements and deadlines. If you are unfamiliar with the intricacies of the process, you can miss key steps.  This could lead to the other party obtaining a more favorable outcome. And if the other party to divorce has an attorney, while you do not, this can make matters even more difficult.  Ultimately, proceeding without an attorney could result in a more costly divorce in the long run. Hire a Cheap Divorce Lawyer in Chicago Another low-cost divorce option is to hire a cheap divorce attorney to assist with your case.  This might be a better option than proceeding with a divorce without the assistance of an attorney whatsoever. However, be wary as you make your selection.  Don’t just select the first option that comes up after a quick internet search for “cheap divorce lawyers in Illinois.” By doing so, you may risk sacrificing valuable experience and quality, both of which are crucial in a divorce proceeding. So don’t limit yourself to only the cheapest divorce lawyers in the area—make sure to carefully vet your potential candidates first and select an attorney that has the skills and resources necessary to take on your case.  Use an Affordable Divorce Lawyer in Chicago to Help you File for an Uncontested Divorce Another great option to keep your divorce affordable is to file for uncontested divorce in Chicago. In situations where there is little to no animosity between the parties, an uncontested divorce might be a way to keep your divorce costs relatively low. If the parties agree on how to handle all aspects of the divorce, this can make the filing process much simpler and can reduce the amount of time and money required to finalize the divorce.  Of course, uncontested divorce in Chicago may not be a viable option in all cases. Speak with a divorce attorney today to discuss your options and see if an uncontested divorce might be right for you and your situation.  Uncontested Divorce in Chicago Sometimes, couples simply grow apart for one reason or another. And while the parties may agree that staying married is not the best decision moving forward, they may not have any animosity toward each other.  In these situations, an uncontested divorce in Chicago can be a great low-cost option. Looking for Affordable Divorce Lawyers in Chicago?  If you’re looking for affordable divorce lawyers in Chicago, contact Vantage Group Legal today.  When you work with our team, we will assign you to an experienced network attorney who fits your particular legal needs. Vantage Group Legal is not a law firm. Thus, you might be wondering, How does Vantage help you achieve a low-cost divorce?  Not all divorce lawyers in Chicago are low-cost and also experienced. However, our unique system at Vantage Group Legal can give you a way to achieve a low-cost divorce. And we can do it all for one low monthly fee.  With our subscription plans, you pay only one low monthly fee to be connected with a knowledgeable and experienced divorce attorney in your area who will handle all aspects of your case for the duration of your subscription plan. You will have access to Vantage Group Legal’s internal support team as well. For more information on our subscription services and how we can help you accomplish a low-cost divorce, contact Vantage Group Legal today.

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Foreclosure Help in Chicago: Resources for Homeowners

Facing foreclosure in Chicago? Start by reading this guide, then contact Vantage Group Legal for immediate help. Home foreclosure is the process by which you lose legal ownership of your property. Receiving a foreclosure notice can be overwhelming. This process occurs several months after months of missed mortgage payments.  Many Chicago area homeowners are devastated when they receive a foreclosure summons and do not know how to cope with the situation. If no action is taken, the bank can take your home and negatively impact your finances. Though this sounds like a difficult situation to overcome, you may have options to save your home and get foreclosure help in Illinois.  Foreclosure Resources for Homeowners There is foreclosure help in Chicago and the surrounding areas that you can take advantage of to guide you through the process of dealing with your potential foreclosure. Here is a list of some of the available resources to help you keep your home in Illinois. Illinois Housing Development Authority Foreclosure counselors from the Illinois Housing Development Authority are available to provide advice and services to help homeowners. These services include reviewing your mortgage and finances and discussing options to find a solution.  Hope Hotline 1-888-995-HOPE Develop a plan tailored to your unique foreclosure situation. Hope Hotline provides free one-on-one confidential and comprehensive financial and foreclosure prevention education.  Consumer Financial Protection Bureau The U.S. Department of Housing and Urban Development (HUD) approved the Consumer Financial Protection Bureau‘s list of housing counselors. A housing counselor can offer independent advice on your mortgage and other financial housing issues.  Illinois Legal Aid Resources that explain the foreclosure process are available from Illinois Legal Aid, along with the necessary paperwork and filing timelines to guide you through the process. There are also helpful videos explaining how foreclosures work and what you can do.  Illinois Hardest Hit Fund Financial assistance is available through the Illinois Hardest Hit Fund for thousands of homeowners who meet eligibility criteria and have experienced at least a 15% income reduction due to qualifying hardships.  Neighborhood Housing Services of Chicago, Inc. A certified homeowner counselor from Neighborhood Housing Services of Chicago, Inc., can help identify foreclosure prevention options and solutions to make your home more affordable. They also offer additional homeowner advice and resources.  Illinois Attorney General At the Illinois Attorney General‘s website, you can learn about the steps you should take when facing a foreclosure, your legal rights and options, and what to beware of. This site also provides access to the attorney general homeowner helpline.  Chicago Urban League The housing and financial empowerment center of the Chicago Urban League is a counseling agency that provides professional assistance for low-to-moderate-income residents. Some of their services include mortgage delinquency and default resolution, pre-purchase counseling, homebuyer education, financial counseling, foreclosure prevention, and more.  Northwest Side Housing Center Certified counselors from the Northwest Side Housing Center work toward improving your housing situation through counseling, education, and advocacy. If you are unable to make your mortgage payment and trying to save your home from foreclosure, they can work with you and your bank to make keeping your home affordable. This organization focuses on residents in Belmont Cragin and the surrounding communities. Partners in Community Building (PICB) PICB’s foreclosure prevention department assists clients who are in imminent default, facing foreclosure, or in post-foreclosure. Help is offered through the various federal government, bank, and investor programs.  How Can an Attorney Provide Foreclosure Help in Chicago? If you would like to keep your home and believe you have a defense to the foreclosure, your best option is to seek help from an experienced attorney who is knowledgeable about Illinois foreclosure laws. Most defenses are going to require navigating the legal system. Some valid defenses for foreclosure may include: Proper foreclosure procedures were not followed; The party foreclosing on your property cannot prove that it owns your mortgage loan; and The servicer made a serious error with your account.  If you choose to contest the foreclosure, there are several steps that you will need to take within the appropriate time frame.  Complete a Mortgage Foreclosure Appearance and Answer to Complaint This form lets the court know that you have been informed of the foreclosure summons and allows you to contest the information within the summons. You also have the opportunity to state any defenses you may have to the foreclosure and facts to support those defenses. An experienced attorney will ensure that this form is thoroughly completed and that your facts do support your defense.  Submit Documents to the Court Clerk The Mortgage Foreclosure Appearance and Answer Form should be submitted electronically to the court clerk in the county where you are filing the case against your foreclosure. This is usually the county where the property is located. Your attorney will do this on your behalf.  All Parties Are Informed of Your Answer The other parties involved must be made aware of the lawsuit. It is best to send these documents to the party’s attorney if they have one. Having your attorney ensure proper delivery will take this procedural aspect off your shoulders. Documents can be hand-delivered, mailed, sent by a third-party postal carrier, or filed electronically. Prepare for and Attend Court An experienced attorney is necessary to help you prepare for court. It is important to ensure you have all relevant documents and proof to defend against your property foreclosure. This may include all financial and payment history surrounding your home. You and your attorney should also review any potential questions that you may be asked by the judge and bring copies of all relevant documents. The judge and your attorney will direct you on how to proceed once you are in court.  Why Hire a Foreclosure Attorney? A Chicago foreclosure lawyer can help you formulate your arguments against foreclosure, navigate the rules of the court, and submit the appropriate paperwork at the appropriate time. It’s unlikely that you, as a homeowner, could mount a successful defense to property foreclosure without the help...

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Can a Bank Foreclose if Payments Are Current?

Foreclosure most commonly refers to a lender taking possession of a property for non-payment of a mortgage loan. However, the status of mortgage payments is just one cause of foreclosures. Other causes include the owner’s unpaid debt to other parties, a homeowner not meeting other aspects of the loan agreement, and payments misdirected to the wrong lender.  Therefore even when payments are current, there are several circumstances where the bank can still foreclose.  We Offer Affordable Debt Relief Solutions for Homeowners Facing Foreclosure. Our team is standing by to help. Call 24/7 for a free consultation: (773) 938-4747 5 Reasons Foreclosure May Happen Even When Payments are Current 1. There Are Unpaid Property Taxes Local governments collect property taxes on homes. Sometimes those taxes are paid as part of  mortgage payments (usually under the term escrow). For taxes due separate from the mortgage payment, it is the homeowner’s responsibility to pay the taxes to the government. If they do not pay, the bank may pay the taxes owed. If a homeowner fails to reimburse the bank, the bank can foreclose.  2. Homeowners Insurance Not Up To Date Not having homeowners insurance can be a valid reason for a lender to foreclose on a property. Like property taxes, the mortgage contract likely includes a clause requiring a homeowner to maintain adequate homeowners insurance. Failure to maintain the coverage would violate the mortgage contract. 3. There Are Violations of Other Mortgage Contract Conditions Any mortgage contract term violated by the homeowner, not just failing to pay the mortgage, could be grounds for foreclosure. For instance, most mortgages require the homeowner to keep the property in satisfactory condition. If the homeowner does not do this, the bank can seek to foreclose. A contract violation, such as transferring ownership to another party, may also result in foreclosure.  4. Home Owner Association (HOA) Fees Are Past Due In more recent years, HOAs have become popular entities. An HOA is a community board that makes rules and regulations and provides the upkeep of the shared areas in a specific neighborhood. Homeowners in these neighborhoods are required to pay HOA dues. When a homeowner fails to pay their HOA dues or assessments, the HOA may seek court assistance to sell their home and collect the debt owed. This type of home loss can occur even if all mortgage payments are current.  5. Homeowner Paid Mortgage To Incorrect Bank A mortgage loan may be held by one bank initially, then taken over by another. While the homeowner’s records may indicate that they have been paying the mortgage, they may not have been paying to the right bank. The cause may be a clerical error on the homeowner’s part or that of one of the banks. Regardless, if the current lender is not getting the payments, foreclosure is possible. You Should Have Legal Help in a Foreclosure Case If you or someone you know may be facing foreclosure, look into hiring a lawyer immediately. An attorney will review your mortgage contract and all relevant documents, hear your side of the matter, and defend you in the foreclosure process. A foreclosure defense lawyer gives you the best opportunity to keep your home. Vantage Group Legal Services Will Defend You in a Foreclosure Case No matter the circumstances, Vantage Group Legal Services can assist you in a foreclosure  situation. As a unique company with a team of specialized Attorney’s in foreclosure defense, Vantage Group Legal Services connects you with an experienced network attorney and will give you a no-obligation, free consultation. Once you retain Vantage Group Legal Services, your assigned network attorney and Vantage’s internal support staff will handle all aspects of your case during your contract with them. Chicago foreclosure defense attorneys in Vantage Group Legal Services’ network are chosen because of their ability to win cases and achieve success for their clients. Contact Vantage Group by phone at (773) 938-4747 or online.

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