Illinois HOA Foreclosure Laws: Homeowner Rights and Legal Process (2026)

If you own a property in an Illinois homeowner association, condominium association, or qualifying common-interest community, unpaid assessments can become a serious legal and financial issue. Under Illinois HOA Foreclosure Laws, an association may have statutory remedies for qualifying unpaid assessments, including the ability to enforce certain liens and, in appropriate circumstances, pursue foreclosure. However, an HOA lien and an HOA foreclosure are not the same thing, and the exact rules depend on the type of community, the nature of the debt, the governing documents, lien requirements, and applicable Illinois law. Illinois law also distinguishes between condominium communities and common-interest community associations, so homeowners should not assume that one rule applies identically to every association.

What are Illinois HOA Foreclosure Laws?

Illinois HOA Foreclosure Laws are the state statutes and legal rules that govern how certain homeowner associations, condominium associations, and common-interest-community associations may collect unpaid obligations and enforce qualifying property liens.

The phrase “HOA foreclosure” can be misleading because an association does not simply take someone’s house because an assessment is unpaid. A foreclosure is a formal legal process used to enforce an interest in real property. Before discussing foreclosure, it is therefore necessary to understand the relationship between an assessment, delinquency, lien, collection action, and foreclosure.

For condominium properties, Section 9 of the Illinois Condominium Property Act contains specific provisions concerning unpaid common expenses and association liens. The statute also addresses the association’s ability to foreclose a qualifying lien in the same manner as a mortgage of real property.

This distinction is one of the most important concepts homeowners should understand when researching Illinois HOA foreclosure laws.

What Is an HOA Lien in Illinois?

An Illinois HOA lien is a legal claim against a property that can secure certain amounts owed to an association. The exact nature and priority of that lien depend on the type of association, the applicable Illinois statute, the governing documents, and the circumstances under which the debt arose.

For condominium owners, Illinois law provides a statutory framework for liens arising from unpaid common expenses. Section 9 of the Illinois Condominium Property Act also contains provisions concerning unpaid fines and certain related charges.

An HOA lien should not automatically be confused with foreclosure. A lien is a claim against the property; foreclosure is the legal process through which an enforceable interest may be pursued against the property.

Why Does an HOA Lien Matter?

An HOA assessment lien can become significant because it may affect the property’s title and potentially the homeowner’s ability to sell or refinance the property. It can also become relevant if the association takes legal action to enforce the underlying debt.

A homeowner who receives a notice concerning an Illinois HOA lien should therefore determine exactly what the association claims is owed, what legal authority supports the claim, and whether the association followed the applicable procedures.

Can an HOA Foreclose on a Home in Illinois?

Yes, under certain circumstances an association can pursue foreclosure-related remedies in Illinois, but it is inaccurate to suggest that every HOA can automatically foreclose over every type of unpaid charge.

The first question is what kind of community is involved. Illinois has separate statutory frameworks for condominiums and common-interest communities. The second question is what type of debt is involved. Regular assessments, special assessments, fines, interest, attorney fees, and collection costs can have different legal treatment.

For condominiums, Illinois law expressly provides that a qualifying lien for unpaid common expenses may be foreclosed through an action brought in the name of the board of managers in the same manner as a mortgage of real property.

For this reason, homeowners researching Illinois HOA foreclosure laws should avoid relying on a generic article that treats every Illinois residential association as legally identical.

Can an Illinois HOA Foreclose for Unpaid Assessments?

Unpaid HOA assessments are one of the most important issues in an Illinois association foreclosure dispute.

Assessments generally help fund the association’s expenses and obligations. When an owner fails to pay an assessment, the account can become delinquent. Depending on the association and applicable law, the association may have collection rights and may be able to establish or enforce a lien for qualifying amounts.

For condominium associations, the Illinois Condominium Property Act establishes statutory rules concerning common expenses and liens for nonpayment.

The important point is that an unpaid assessment does not mean that foreclosure happens immediately. The legal process involves additional requirements, and the homeowner’s governing documents and applicable statutory provisions must be examined.

How Does the Illinois HOA Foreclosure Process Work?

The Illinois HOA foreclosure process should be understood as a series of stages rather than one immediate event.

The process may begin when an owner fails to pay an assessment required under the governing documents. The association may then treat the account as delinquent and pursue collection. If a qualifying lien exists, the association may take steps to enforce that lien. In an appropriate case, foreclosure proceedings may ultimately be initiated.

The exact sequence can vary depending on the association, the type of property, the amount and nature of the debt, and the legal requirements that apply.

Delinquent HOA Assessments

The process commonly begins with a missed assessment or another unpaid obligation. Once an account becomes delinquent, the association may communicate with the homeowner about the outstanding balance.

A homeowner should carefully review the account because an Illinois HOA delinquent assessment balance may contain more than the original assessment. Depending on the governing documents and applicable law, additional charges may be claimed.

HOA Collection Notices

Collection notices can provide important information about what the association believes the homeowner owes.

The homeowner should review the amount claimed, the dates involved, the type of charges, and the documents or rules cited by the association.

A written collection notice should not automatically be treated as proof that the entire amount is legally enforceable. If the balance appears incorrect, the homeowner should preserve payment records and other supporting documentation.

Illinois HOA Collection Laws and Unpaid Assessments

Collection procedures are becoming an especially important part of the Illinois HOA foreclosure laws landscape in 2026.

Illinois recently enacted Public Act 104-0734, which amended the Common Interest Community Association Act and the Illinois Condominium Property Act concerning collection policies for unpaid assessments. The law requires covered associations to adopt written policies and procedures concerning collection of unpaid assessments and places requirements on legal action to collect common expenses.

The new statutory provisions address matters such as when assessments are considered delinquent, late fees and interest, returned-check charges, possible payment plans, when delinquent accounts may be referred for legal action, how payments are applied, and available legal remedies.

This development is important for both homeowners and association boards because an association’s collection policy can become relevant before legal collection or foreclosure proceedings are pursued.

What Should a Homeowner Do About Unpaid HOA Assessments?

A homeowner who receives an Illinois HOA collection notice should not simply ignore it.

The first step is to determine whether the account is accurate. Compare the association’s statement with personal payment records, canceled checks, bank statements, online payment confirmations, and prior correspondence.

The homeowner should also obtain and review the relevant governing documents. These may include the declaration, bylaws, rules and regulations, and other community instruments.

If the association has adopted a written collection policy, reviewing that policy can also help the homeowner understand how the association handles delinquent accounts.

What Is the Difference Between an HOA Lien and Foreclosure?

The difference between an Illinois HOA lien and foreclosure is fundamental.

A lien is a legal claim against property securing a qualifying debt or obligation. Foreclosure is the legal process used to enforce an eligible lien or other interest in real property.

A homeowner may therefore have an HOA lien recorded against a property without immediately facing a foreclosure sale.

This distinction also explains why homeowners should respond early when they receive a lien or collection notice. Addressing the dispute before it becomes a full foreclosure proceeding may provide more opportunities to resolve the underlying issue.

How Does an Illinois HOA Assessment Lien Affect a Homeowner?

An Illinois HOA assessment lien can create complications when the homeowner wants to sell, refinance, or transfer the property.

A prospective buyer or lender may want to know whether the property has outstanding association charges or recorded liens. Illinois condominium law includes disclosure provisions requiring information about liens and unpaid assessments in certain resale situations.

For this reason, an unresolved HOA balance can become a practical real-estate problem even before foreclosure is considered.

A homeowner should not wait until a property sale is pending to discover that an association claims a substantial delinquent balance.

Illinois HOA Lien Priority and Mortgage Rights

One of the most complicated subjects under Illinois HOA foreclosure laws is lien priority.

A property can have multiple competing interests, including an HOA assessment lien and a mortgage lien. The question of which interest has priority can affect what happens if the property is sold through foreclosure.

For condominium properties, Illinois law contains specific statutory priority rules and exceptions governing association liens and certain prior-recorded encumbrances.

This means that the simple statement “the HOA lien comes first” or “the mortgage always comes first” can be misleading.

HOA Lien vs. Mortgage in Illinois

When evaluating an HOA lien vs. mortgage in Illinois, the relevant factors can include the property type, recording history, statutory provisions, the type of mortgage or encumbrance, and applicable exceptions.

A homeowner facing foreclosure should therefore have the actual title and lien documents reviewed rather than relying on a generalized online statement.

Can an HOA Foreclosure Wipe Out a Mortgage?

This is one of the most important questions homeowners ask.

The answer depends on lien priority and the applicable law. A foreclosure does not automatically mean that every other lien on the property disappears.

Illinois condominium law contains detailed rules concerning the priority of association liens and certain encumbrances. The statute specifically addresses prior-recorded encumbrances and provides exceptions concerning certain mortgages and other interests.

Therefore, homeowners should treat HOA foreclosure vs. mortgage foreclosure as a priority issue rather than assuming that one automatically eliminates the other.

Can an HOA Foreclose for Unpaid Fines in Illinois?

The answer requires careful attention to the type of association.

For condominiums, the Illinois Condominium Property Act’s lien provision expressly addresses unpaid fines along with unpaid common expenses.

That does not justify a blanket statement that every Illinois homeowner association can foreclose a property for every type of fine. The applicable association statute, governing documents, nature of the charge, and enforcement procedure all matter.

This is why an accurate Illinois HOA foreclosure laws article should distinguish assessments from fines instead of combining them into one category of HOA debt.

What Are Common Reasons an HOA Foreclosure Dispute Happens?

An Illinois HOA foreclosure dispute can arise for many reasons.

A homeowner may believe the assessment balance is wrong, payments were not credited correctly, the association charged unauthorized fees, or the association failed to follow the applicable collection procedure.

Another dispute may involve the validity or priority of an HOA lien. A homeowner may also challenge whether the association had authority to pursue a particular remedy under the governing documents and applicable law.

These disputes are fact-specific. The existence of a disagreement does not automatically invalidate the association’s claim, but it can make careful documentation and legal review especially important.

Illinois HOA Foreclosure vs. Mortgage Foreclosure

An Illinois HOA foreclosure and a mortgage foreclosure are related to property interests but arise from different underlying obligations.

A mortgage foreclosure generally concerns a mortgage loan secured by the property. An HOA foreclosure concerns enforcement of a qualifying association claim or lien.

The distinction matters because the two interests may have different priorities and legal consequences.

A homeowner who is facing both mortgage problems and HOA delinquency should evaluate the two issues separately while considering how they interact with the property’s title.

What Happens Before an Illinois HOA Files Foreclosure?

Before foreclosure becomes a possibility, the association may take collection steps concerning the delinquent account.

The association’s written collection policy can be particularly important under the 2026 statutory changes. Public Act 104-0734 requires covered associations to maintain written policies addressing collection of unpaid assessments and specifies several subjects that the policy must address.

The policy requirements include matters such as delinquency dates, late fees and interest, payment plans where applicable, referral of accounts for legal action, payment application, and available legal remedies. This makes the collection stage an important part of understanding Illinois HOA foreclosure laws.

Can a Homeowner Challenge an Illinois HOA Lien?

A homeowner may have grounds to challenge an HOA lien when there is a legitimate legal or factual issue concerning the claimed debt or lien.

For example, the homeowner may dispute the amount owed, claim that payments were not properly credited, question whether certain charges were authorized, or challenge compliance with applicable requirements.

The correct response depends on the specific facts and documents. A homeowner should preserve all relevant records and consider obtaining advice from an Illinois attorney when a lien or foreclosure proceeding creates a substantial risk to the property.

Why Governing Documents Matter in Illinois HOA Foreclosure Cases

State law is only part of the analysis.

A community’s declaration, bylaws, rules and regulations, and other governing documents can establish assessment obligations, enforcement procedures, payment requirements, and other rights and responsibilities.

However, governing documents cannot simply override mandatory statutory requirements. Illinois statutes can establish requirements that apply regardless of conflicting language in community instruments.

For example, Public Act 104-0734 expressly addresses collection policies notwithstanding contrary provisions in certain community instruments. (

This is why an expert review should consider both Illinois law and the association’s governing documents.

What Documents Should a Homeowner Review?

When dealing with Illinois HOA foreclosure laws, the most useful documents are usually those that establish the debt, the association’s authority, the collection history, and the lien.

The homeowner should locate the governing declaration and bylaws, association rules, assessment statements, payment history, collection notices, lien documents, correspondence with the association, and any legal papers received from an attorney or court.

The purpose is to build a clear timeline showing when the debt arose, how the balance changed, what notices were sent, and what action the association ultimately took.

Illinois HOA Foreclosure Timeline: How Long Can It Take?

The Illinois HOA foreclosure timeline can vary considerably depending on the type of association, the amount and nature of the debt, the governing documents, collection activity, court proceedings, and whether the homeowner challenges the association’s claim. There is no single timeline that applies to every Illinois HOA foreclosure case.

The process generally develops over several stages. A homeowner may first miss one or more assessments, receive a delinquency or collection notice, and later face an association lien. If the qualifying lien remains unresolved, the association may pursue formal legal enforcement. A foreclosure proceeding can then involve court filings, responses, judgment, and potentially a foreclosure sale.

This means homeowners should not assume that receiving a collection letter means a foreclosure sale is imminent. At the same time, ignoring collection notices can allow the dispute to become significantly more difficult to resolve.

Missed Assessments and Delinquency

The first stage usually involves an unpaid assessment or another amount the association claims is due. Regular assessments may fund maintenance, insurance, administration, repairs, reserves, and other community expenses. Special assessments can create additional obligations when properly authorized.

Once an account becomes delinquent, the association may begin collection activity according to applicable law and its collection policy. Under Illinois’ 2026 statutory changes, covered associations must maintain written policies concerning the collection of unpaid assessments and address specified collection matters.

Collection and Demand Stage

The association may send notices or demand payment before taking further legal action. The homeowner should use this stage to verify the balance and determine whether the claimed charges are accurate.

A homeowner who has already paid an assessment should preserve proof of payment. If the account contains late charges, interest, attorney fees, or collection expenses, the homeowner should determine the legal and contractual basis for each category rather than assuming the entire balance is automatically valid.

Lien Stage

A qualifying unpaid obligation can become associated with an Illinois HOA lien. For condominium properties, Section 9 of the Illinois Condominium Property Act provides specific rules concerning liens for unpaid common expenses and certain unpaid fines.

A lien is important because it can affect the property’s title and potentially become the basis for further legal enforcement.

Foreclosure Stage

If the association has a legally enforceable lien and the requirements for foreclosure are satisfied, the matter can proceed into formal foreclosure litigation. At this stage, the homeowner should take court deadlines seriously and consider obtaining qualified Illinois legal advice.

How Much HOA Debt Can Lead to Foreclosure in Illinois?

One of the most common searches involving Illinois HOA Foreclosure Laws is whether there is a specific minimum dollar amount of HOA debt that automatically allows an association to foreclose.

Homeowners should be cautious about articles that provide a universal dollar threshold without explaining the applicable statute. The ability to enforce an association lien depends on the legal framework governing the community, the type of obligation, and the statutory requirements that apply.

The amount of debt can nevertheless become important because an account may include unpaid assessments, special assessments, interest, late charges, attorney fees, and other legally authorized collection costs.

For that reason, a homeowner facing an Illinois HOA foreclosure should request an accurate account ledger and determine exactly how the association calculated the claimed balance.

What Are Homeowner Rights Under Illinois HOA Foreclosure Laws?

Homeowners facing Illinois HOA Foreclosure Laws should understand that an association’s collection rights do not eliminate the homeowner’s ability to question an inaccurate debt or challenge an improper legal action.

The homeowner can review the association’s governing documents, examine the account history, preserve evidence of payments, and investigate whether the association followed the applicable legal and contractual requirements.

The homeowner may also have procedural rights once a formal court proceeding begins. Court documents should never be ignored because failing to respond within an applicable deadline can seriously affect the homeowner’s ability to present defenses.

Right to Review the Claimed Debt

A homeowner should be able to determine what the association claims is owed and why.

If the account includes several categories of charges, the homeowner should distinguish between regular assessments, special assessments, fines, interest, late fees, attorney fees, and collection costs.

Right to Review Governing Documents

The declaration, bylaws, rules, and other governing documents can establish the homeowner’s assessment obligations and the association’s enforcement authority.

The documents should be reviewed alongside current Illinois law rather than in isolation.

Right to Challenge an Incorrect Balance

If payments were made but not credited, if an assessment was calculated incorrectly, or if the association added questionable charges, those issues may need to be raised promptly.

The strongest challenge is normally supported by documentation rather than a general statement that the HOA is acting unfairly.

How Can You Challenge an Illinois HOA Foreclosure?

A homeowner challenging an Illinois HOA foreclosure should begin by identifying the exact legal and factual basis of the association’s claim.

The first question is whether the amount claimed is correct. The second is whether the association has authority to collect that amount. The third is whether the association complied with the applicable collection and lien requirements.

A homeowner should compare the association’s ledger with personal payment records and then review the governing documents. If there is already a recorded lien, the homeowner should obtain a copy and examine the property information, claimed amount, recording information, and other relevant details.

If a foreclosure lawsuit has already been filed, the homeowner should not rely solely on correspondence with the HOA or management company. The court case must be handled according to the applicable procedural rules and deadlines.

Illinois HOA Foreclosure Defense: What Issues Can Matter?

An Illinois HOA foreclosure defense depends on the specific facts. There is no single defense that automatically defeats every association foreclosure.

One possible issue is an inaccurate account balance. If the association claims assessments that were already paid, the homeowner may need to provide evidence demonstrating the payments.

Another issue can involve charges that the homeowner believes are unauthorized. The association’s governing documents and applicable statutes should be examined to determine whether the disputed charges are legally recoverable.

A homeowner may also question whether the association followed applicable collection requirements or whether the lien accurately reflects the amount legally owed.

Lien priority can create another important issue. When an HOA lien and mortgage or other liens exist on the same property, the priority of those interests can affect the legal consequences of foreclosure.

Can an HOA Lien Be Removed in Illinois?

Whether an Illinois HOA lien can be removed depends on why the lien exists and whether the underlying debt has been resolved.

If the homeowner pays the legally required amount and the association agrees that the account is satisfied, the association may have obligations concerning release or documentation of the lien. The homeowner should obtain written confirmation of the resolution rather than relying solely on a verbal agreement.

If the lien is disputed, the homeowner may need to challenge its validity through the appropriate legal process.

A lien should not simply be assumed to disappear because the homeowner believes the debt is incorrect. Property records and the association’s documentation should be reviewed carefully.

Can You Negotiate HOA Debt Before Foreclosure?

In some circumstances, a homeowner may attempt to negotiate an outstanding Illinois HOA debt before the matter progresses to foreclosure.

Negotiation can involve discussing a payment plan, settlement, payoff amount, or resolution of disputed charges. Whether the association is willing or legally required to accept a particular arrangement depends on the applicable law, collection policy, governing documents, and circumstances.

Illinois’ 2026 statutory changes make written collection policies particularly relevant because covered associations are required to address specified matters relating to unpaid assessments and collection procedures.

If a settlement is reached, the homeowner should obtain the agreement in writing and make sure it clearly explains the amount to be paid, payment schedule, treatment of fees, and what happens to any existing lien after the agreement is completed.

What Happens If You Ignore an Illinois HOA Foreclosure Notice?

Ignoring an Illinois HOA foreclosure notice can create unnecessary legal risk.

A collection notice and a court foreclosure complaint are not the same thing. Once a formal lawsuit is filed, the homeowner may have specific procedural deadlines to respond. Missing those deadlines can affect the homeowner’s ability to dispute the association’s claims.

Even when the homeowner believes the HOA is completely wrong, the safer approach is to preserve the notice, review the allegations, gather supporting documents, and obtain appropriate legal guidance.

Ignoring a disputed debt does not automatically make the debt disappear.

Can an HOA Foreclosure Affect Your Mortgage?

An Illinois HOA foreclosure can interact with an existing mortgage because both the association and mortgage lender may have interests connected to the same property.

The critical issue is generally lien priority. Illinois condominium law contains specific rules concerning the priority of condominium association liens and certain prior-recorded encumbrances.

A homeowner should therefore never assume that an HOA foreclosure automatically eliminates the mortgage or that the mortgage automatically eliminates the HOA lien.

The actual recorded documents and applicable law should be examined before making a conclusion about priority.

Illinois HOA Foreclosure vs. Mortgage Foreclosure

Although both processes can potentially result in the sale of a property, an Illinois HOA foreclosure and a mortgage foreclosure arise from different obligations.

An HOA foreclosure generally concerns an association’s qualifying claim for unpaid assessments or other legally enforceable amounts. Mortgage foreclosure concerns the borrower’s obligations under a mortgage loan.

The difference becomes especially important when determining which lien has priority and what interests may survive a foreclosure sale.

For homeowners with both mortgage and HOA problems, treating the two debts as completely separate can sometimes create problems because actions affecting the property may involve multiple lienholders.

What Happens After an Illinois HOA Foreclosure Sale?

After an Illinois HOA foreclosure sale, the legal consequences depend on the foreclosure judgment, lien priority, applicable statutes, and other interests affecting the property.

The property may be transferred through the foreclosure process, and sale proceeds may be distributed according to applicable legal priorities.

A homeowner should not assume that every debt disappears after a foreclosure sale. Similarly, an HOA should not be assumed to have unlimited rights to collect every amount simply because a foreclosure occurred.

The exact result depends on the legal documents and circumstances of the case.

Does an Illinois HOA Lien Have Priority Over a Mortgage?

The answer to whether an Illinois HOA lien has priority over a mortgage is more complicated than a simple yes or no.

For condominiums, Illinois law contains specific priority provisions governing association liens and certain mortgages or other encumbrances. Section 9(g) of the Illinois Condominium Property Act should be consulted for the statutory rules applicable to a particular condominium lien.

The recording dates and nature of the competing interests can matter significantly.

Because lien priority can determine whether an interest survives foreclosure, this is one of the issues where reviewing the actual title documents with an Illinois real-estate or community-association attorney can be particularly important.

Illinois HOA Foreclosure and Attorney Fees

Attorney fees can become an important component of an association’s collection claim.

For condominium properties, Illinois law specifically addresses reasonable attorney fees and collection costs associated with enforcement of certain association obligations.  

However, homeowners should not assume that every fee appearing on an HOA statement is automatically enforceable. The governing documents, applicable statute, nature of the charge, and circumstances should be reviewed.

An itemized statement can help identify whether the balance consists primarily of assessments or whether substantial additional charges have accumulated.

Illinois HOA Foreclosure and 2026 Collection Policy Requirements

The 2026 amendments are particularly relevant to anyone researching current Illinois HOA Foreclosure Laws.

Public Act 104-0734 amended both the Common Interest Community Association Act and the Illinois Condominium Property Act concerning collection policies and procedures for unpaid assessments. Among other things, the legislation addresses the written policies associations must maintain and the circumstances under which legal action may be taken to collect delinquent common expenses.

The amendments also address matters such as delinquency, late fees, interest, payment plans, referral to legal counsel, payment application, and available remedies.

Because these provisions are recent, homeowners and association boards should verify the current statutory text and effective dates rather than relying on older HOA foreclosure articles.

What Should You Do If You Receive an Illinois HOA Foreclosure Notice?

If you receive an Illinois HOA foreclosure notice, treat it as a serious legal matter.

Begin by preserving every document received from the HOA, management company, collection agency, attorney, or court. Then obtain your assessment ledger and compare it against your payment history.

Next, identify the association’s legal structure and review the declaration, bylaws, rules, and collection policy that apply to your property.

If a lien has been recorded, obtain the relevant property-record information and determine what amount the association claims is secured by the lien.

If the matter has reached court, obtain legal advice promptly because court deadlines can be significantly more important than ordinary HOA correspondence.

Common Mistakes Homeowners Should Avoid

One of the biggest mistakes is assuming that an HOA cannot foreclose simply because the amount owed is relatively small. Another is assuming that every HOA charge has exactly the same legal status.

Homeowners should also avoid ignoring collection letters, refusing to communicate without documenting the dispute, or making informal payment arrangements without written confirmation.

Another common mistake is relying on a general internet article to determine whether an HOA lien has priority over a mortgage. Priority questions can depend on specific statutory language and recorded instruments.

Finally, homeowners should not assume that paying an amount verbally promised by an association automatically results in the release of a recorded lien. Written documentation is much safer.

Illinois HOA Foreclosure Laws: Practical Example

Consider a homeowner who has accumulated unpaid association assessments and receives a collection notice.

The homeowner believes several payments were already made, but the HOA’s ledger does not show them. Instead of ignoring the notice, the homeowner gathers bank records and payment confirmations and requests an updated accounting from the association.

If the association corrects the account, the dispute may be resolved before it develops further. If the association maintains that a significant balance remains, the homeowner can then evaluate the governing documents, collection policy, lien status, and applicable Illinois law.

This example demonstrates why early documentation can be important in an Illinois HOA foreclosure dispute. The sooner an inaccurate account or questionable charge is identified, the more opportunities there may be to resolve the issue before formal foreclosure litigation.

Frequently Asked Questions About Illinois HOA Foreclosure Laws