HELP BEGINS WITH LISTENING
Your home.
Your choices.
A way
forward.
Behind on mortgage payments or facing foreclosure in Chicago or the Illinois suburbs? Before discussing a sale, let’s start with one question: what would you most like to happen next?
Let’s talk about your options. No pressure. No obligation to sell.
Your home.
Your circumstances.
Your choice.
START WITH WHAT MATTERS TO YOU
A difficult situation.
A thoughtful next step.
You don’t need to have every answer. Begin with your goal, check the facts, and get the right support for the decisions ahead.
Hoping to
keep your home?
Talk to Jack about your situation. We’ll listen, help you understand possible next steps, and point you toward qualified help when needed.
Talk to Jack about your situation 02 / A DEADLINE AHEADReceived court
or auction papers?
Read every notice and seek qualified legal help promptly. Knowing your stage and deadlines matters.
Understand the Illinois process 03 / WHAT HAPPENS NEXTUnsure what
an auction means?
Learn about court confirmation, possible remaining debt, and why doing nothing can limit your choices.
Read about the consequences 04 / YOUR CIRCUMSTANCESJust need
somewhere to start?
An inherited house, repairs, or a change of plans. Tell Jack what would help you most before considering a sale.
Start with a conversationA STRAIGHTFORWARD START
Listen first.
Decide with clarity.
Let’s talk about your options. No pressure. No obligation to sell.
- 1
Tell Jack what matters.
Would you like to stay, sell, or simply understand what is happening? Start with your questions and the outcome you hope for.
- 2
Understand the options.
Identify the notices and deadlines that need attention. Explore where mortgage assistance, a housing counselor, or independent legal advice may help.
- 3
Choose your next step.
Consider the timing, costs, and consequences of each path with qualified advisers. If you want to explore a purchase by Heritage, review its terms in writing.
LOCAL ROOTS. A PERSONAL APPROACH.MEET THE PERSON BEHIND HERITAGE
Hi, I’m Jack.
I’d rather start with your questions
than a sales pitch.
I’m Jack Michalkiewicz, owner of Heritage Homes Solution. My first step is to listen and understand what would help you most. If keeping your home is your goal, we can discuss where to seek mortgage assistance and qualified legal guidance. If selling is a path you want to explore, we can discuss those choices, too.
Heritage is a home-buying business. I’m not your attorney or a housing counselor, and you’re welcome to seek independent advice at every step.
INFORMATION BEFORE DECISIONS
Illinois foreclosure
resource guides.
Start with your goal: understand your foreclosure options, explore ways to keep your home, or compare selling before an auction.
Facing foreclosure?
Do you have to sell?
Start with your goal and understand why selling may not be your only option in Illinois.
Explore Illinois foreclosure options 02 / KEEPING YOUR HOMEBehind on payments?
Want to keep your home?
Learn what to assess, which mortgage options to ask about, and how to prepare for the next conversation.
Read the keeping-your-home guide 03 / COMPARING SALE ROUTESSelling before foreclosure?
Compare your options.
Compare a traditional listing, an as-is purchase and a short sale against your equity, condition and time.
Compare Illinois selling optionsSUPPORT BEYOND HERITAGE
Get independent help
for your situation.
A housing counselor can help with mortgage options. An attorney can advise you about your rights and court deadlines.
If you have court papers or a scheduled sale, seek help promptly. Contacting Heritage does not pause your case.
STRAIGHT ANSWERS
Questions are
always welcome.
Here are a few you may already have.
For everything else, let’s talk.
Does talking with you commit me to selling?
No. A conversation or request for an offer does not obligate you to sell. Review the terms of any agreement before signing.
What if I want to keep my home?
Talk to Jack about your situation. We’ll listen, help you understand possible next steps, and point you toward qualified help when needed. A HUD-approved housing counselor can help you understand available assistance, and a qualified Illinois attorney can review your court papers and legal options. If an auction is scheduled, seek independent legal help promptly. Contacting Heritage does not stop or postpone an auction, and outcomes are not guaranteed. Heritage does not decide eligibility or provide legal representation.
Can I involve my own attorney?
Yes. You’re welcome to review any proposal with an attorney of your choosing and discuss it with people you trust before making a commitment.
What if an auction is already scheduled?
Talk to Jack about your situation, and seek help from a qualified Illinois attorney promptly. Options depend on your circumstances and the time remaining. An inquiry, sale listing, or offer request does not itself stop or postpone an auction. Do not assume a scheduled sale has changed without verification.
For independent help, the CFPB’s counselor directory can help you find a HUD-approved housing counseling agency.
Could I still owe money after an auction?
Yes, in some cases. If the sale proceeds do not cover the amount legally owed, a lender may seek a deficiency judgment against a personally liable borrower. It is not automatic; legal requirements and case-specific defenses matter. An auction does not necessarily erase the mortgage debt.
Read about remaining debt and other consequences, and ask an attorney how the rules apply to you.
How much would I receive from a sale?
That depends on the purchase price, amounts owed on the property, agreed sale costs, and the terms of the transaction. Your estimated net proceeds are what remains after those amounts are paid. There is no guaranteed payment or assistance amount.
Where do you work?
Heritage Homes Solution focuses on Chicago and the surrounding suburbs. Call or email Jack to discuss your property and whether a purchase could be a fit.
WHAT WOULD HELP YOU MOST?
You can start
with a question.
Let’s talk about your options. No pressure. No obligation to sell.
This is your home and your decision.
Whatever you decide, we respect your choice.