Success Stories



Lockport, Illinois September 2019

Defended pending foreclosure case for sixteen months. Client was able to complete her chapter 13 Repayment Plan and also secured a loan modification. Interest rate reduced from 4% to 2%.

Batavia, Illinois September 2019 

Client defaulted on rental property. Extensive work with lender resulted in a significant loan modification. Payment reduced from $3,389 to $2,083.32. Interest rate reduced from 4.625% to 2.625%

Batavia, Illinois August 2019

Client applied multiple times before hiring our office and was routinely denied. Our office successfully obtained a loan modification. Payment was reduced from $1736.46 to $1,377.09. Interest rate reduced from 5.5% to 4%

Naperville , Illinois July 2019

Successfully vacated and Order of Default and Judgment of Foreclosure and Sale Subsequently worked with lender and obtained a loan modification. Payment reduced from $1,889.48 to $1,858.20. Interest rate reduced from 6.5% to 5%.

Geneva, Illinois August 2018
Client had over $1,000,000 in business and personal debts. Debts included personal credit cards, small business loans, real estate loans, attorney’s fees, etc. Successful chapter 7 filing resulted in a discharge of all personal obligations.

Lisle, Illinois July 2018
Lender refused to obey our demand to cease communication with client after foreclosure proceedings had been initiated.  As a result, we sued the lender for violation of the Telephone Consumer Protection Act. After years of aggressive litigation, the lender agreed to pay our client $50,000 to move out and waived any deficiency.

Aurora, Illinois July 2017

Monthly payment reduce from $4,468.62 interest only to $4,159.23 Principal and Interest. Interest rate reduce from 7.375% to 3.750%  fixed.


Homer Glen, Illinois June 2017

Worked closely with the loan service to prevent the filing of a foreclosure complaint for Worked closely with the loan modification that forgave 231,108.39 of principal.

Bloomingdale, Illinois November 2017
Monthly payment reduced from $4,307 interest only to $2,614.80 Principal+Interest. Interest rate reduced from 6.875% to 2% for the first five years.

Naperville, Illinois October 2017

Second lien holder reduced the principal balance from $107,000 to $62,500 and agreed to a new amortization schedule.


Plainfield, Illinois May 2017
Aggressive foreclosure defense for over two years culminated in a bench trial. The Bank of New York Mellon appeared in court and dismissed the Foreclosure Complaint instead of going forward to trial.

Naperville, Illinois April 2017
Successfully secured a discharge of $167,000 of debt, including $23,000 of credit card debt, through Chapter 7 Bankruptcy while simultaneously defending foreclosure.

North Aurora, Illinois June 2016
Defended residential foreclosure case and countersued Household Finance Corporation, resulting in a settlement waiving over $100,000 personal deficiency.

Naperville, Illinois May 2016
Obtained loan modification from Select Portfolio Servicing. Interest rate lowered from 9.07% to 3.135% fixed, resulting in monthly mortgage payments reduced from $2,623.12 to $1,197.23. 

Naperville, Illinois December 2015
Appeal to the Third District Court of Appeals results in a loan modification from Ocwen Loan Servicing with an $86,092 principal balance reduction and interest rate reduction from 9.95% to 3.91% fixed. Monthly payment reduced from $1,910 to $1,418.

Wheeling, Illinois May 2015
Successfully defended a residential foreclosure for five years. Having rejected numerous loan modification offers from Wells Fargo, client received a complete waiver of personal deficiency exceeding $100,000 and a $2,500 relocation settlement payment.

Romeoville, Illinois June 2015
Coordinated with loan servicer to prevent filing of foreclosure action for twelve months and successfully secured a loan modification decreasing the monthly payment by 24% and reducing the interest rate from 6% adjustable to 3.25% fixed.

Oswego, Illinois June 2015 – Wells Fargo v. Wilmsen; 2015 IL App (2nd) 140778-U
Successfully appealed Kendal County trial court’s dismissal of counterclaim stemming from Well Fargo’s alleged breach of a forbearance agreement. Judgment of Foreclosure and Sale and Summary Judgment in favor of Plaintiff reversed and remanded to trial court for further proceedings.

Lombard, Illinois May 2015
Defended residential foreclosure action for over two years ultimately securing waiver of personal deficiency and cash payment to borrower upon moving out of property.

Bolingbrook, Illinois January 2015 Pro Bono
Secured a stay of sheriff’s sale for our client battling stage 2-breast cancer. After the sheriff sale had been scheduled, our office filed an emergency motion to stay the sale with the Illinois Court of Appeals, Third District. The sale was stayed while the appeal from the Will County foreclosure matter is reviewed.

Aurora, Illinois December 2014
45% principal balance reduction by Citimortgage, from $320,864.14 to $147,000.00 with an interest rate reduction from 5.125% to 2%.

Aurora, Illinois November 2014
Successfully negotiated a waiver of a personal deficiency sought by Bank of America in the amount of $199,569.53.

Naperville, Illinois September 2014
31% principal balance reduction by Ocwen Loan Servicing, from $538,095.07 to $366,566.00.

Mettawa, Illinois July 2014
Successfully brought forward a counterclaim against HSBC Bank while defending a mortgage foreclosure for HSBC’s violation of the Fair Debt Collection Practices Act - excessive collection calls.

Bolingbrook, Illinois June 2014
Aggressive litigation resulted in release of a mortgage lien in the amount of $78,238.29 held by Chase Bank.

Montgomery, Illinois September 2013
Scheduled foreclosure sale was delayed and ultimately dismissed after the homeowner retained Calvo Law Offices and their loan modification application was finally approved.

Aurora, Illinois September 2013
47% principal balance reduction from $111,148.14 to $58,800, resulting in monthly mortgage payments reduced by $837.99, from $1,312.27 to $438.28. Adjustable interest rate reduced from 8.5% to 2% fixed.

Oswego, Illinois September 2013
Obtained a second mortgage modification from Wells Fargo after previously receiving a modification two years ago. The monthly payment was reduced by $959.23, from $3,630.82 to $2,671.59. The interest rate was reduced from 5.85% to 4%.

Naperville, Illinois March 2013
Residential mortgage from Ocwen Financial Corporation. Principal balance reduction in the amount of $102,960 from $339,960 to $237,000. Interest rate reduction from 10.125% to 3.53%.

St. Charles, Illinois January 2013
Monthly payment of $10,419 reduced to $7,743.

Chicago, Illinois November 2012
Obtained the full release of a personal liability for a commercial loan in excess of $1,730,000.00

Naperville, Illinois September 2012
Residential mortgage principal balance reduction from $422,360 to $345,000. Interest rate also reduced from 5.08% to 3.4%.


Byron, Illinois September 2012
Vacatur of co-signor's personal deficiency judgment in the amount of $67,419.94 and dismissed from the foreclosure case.


Joliet, Illinois July 2012
Residential mortgage from Citimortgage. Principal balance reduction in the amount of $107,387 from $151,387 to $44,000.


St. Charles, Illinois June 2012
Obtained full release and waiver of $87,950 second mortgage with $0 payment.


Lombard, Illinois April 2012
Settled commercial bank foreclosure action with personal deficiency liability in excess of three million dollars for $25,000. Also, received a full release of a $19,958.81 tax liability generated from the business activity.

New Lenox, Illinois August 2011
$630,000.00 business loan interest modified from 8.75% to 4%. Monthly payments decreased from $6,894 to $4,959,21.