IllinoisMortgage foreclosure cases must begin within 10 years of the right to sue
People seeking to foreclose a mortgage or bring a case over debt secured by one must act within 10 years after the right to sue begins.
What it does
A person must start a mortgage foreclosure or a case over debt secured by a mortgage within 10 years after the right to sue or foreclose begins.
Argument forA clear 10-year deadline could help borrowers and lenders know how long they have to bring a mortgage-related debt case.
Argument againstA 10-year deadline could prevent lenders from bringing a foreclosure or debt case if they wait too long.
More detail
The law provides a 10-year period to start a mortgage foreclosure or a case over debt secured by a mortgage. The provisions cover mortgage foreclosure cases and cases over debt secured by a mortgage; the written-debt rule also lists other written obligations. For covered written debt, a written payment or promise to pay allows a case within 10 years after that payment or promise. The 10-year period starts when the right to sue or foreclose begins. For covered written debt, a written payment or promise to pay allows a case within 10 years after that payment or promise.
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Where it stands
- Introduced
- Passed Senate
- Passed House
- To Governor
- Became Law
Looking ahead
No hearings or votes scheduled.
History
- 2026
- Aug 21Public Act . . . . . . . . . 104-0842Latest
- Aug 21Effective Date August 21, 2026
- Aug 21Governor J. B. Pritzker ApprovedBecame Law
- Jun 29Sent to the GovernorTo Governor
- May 31Added as Co-Sponsor Sen. Chris Balkema
- Vote recorded Concurrence, Amendment 1. Result: pass.Upper
- May 31Passed Both Houses
- May 31Senate Concurs
- May 31House Committee Amendment No. 1 Senate Concurs 058-000-000
- May 29House Committee Amendment No. 1 Motion To Concur Recommended Do Adopt Judiciary; 006-000-000
- Vote recorded Do Pass, Amendment 1. Result: pass.Upper
- May 28House Committee Amendment No. 1 Motion to Concur Assignments Referred to Judiciary
- May 28House Committee Amendment No. 1 Motion to Concur Referred to Assignments
- May 28House Committee Amendment No. 1 Motion to Concur Filed with Secretary Sen. Robert F. MartwickMinor
- May 22Placed on Calendar Order of Concurrence House Amendment(s) 1 - May 25, 2026
- May 22Secretary's Desk - Concurrence House Amendment(s) 1
- May 21Third Reading - Short Debate - Passed 108-000-000Passed House
- Vote recorded Third Reading. Result: pass.Lower
- May 20Placed on Calendar Order of 3rd Reading - Short Debate
- May 19Held on Calendar Order of Second Reading - Short DebateMinor
- May 19Second Reading - Short DebateMinor
- May 13Placed on Calendar 2nd Reading - Short DebateMinor
- Vote recorded Do Pass. Result: pass.Lower
- May 13Do Pass as Amended / Short Debate Judiciary - Civil Committee; 020-000-000
- May 13House Committee Amendment No. 1 Adopted in Judiciary - Civil Committee; by Voice VoteMajor
- May 12House Committee Amendment No. 1 Rules Refers to Judiciary - Civil Committee
- May 8House Committee Amendment No. 1 Referred to Rules Committee
- May 8House Committee Amendment No. 1 Filed with Clerk by Rep. Daniel DidechMinor
- May 7Committee Deadline Extended-Rule 9(b) May 15, 2026
- Apr 27Assigned to Judiciary - Civil CommitteeMinor
- Apr 17Referred to Rules Committee
- Apr 17First ReadingMinor
- Apr 17Chief House Sponsor Rep. Daniel Didech
- Apr 17Arrived in HouseMinor
- Apr 16Added as Chief Co-Sponsor Sen. Jason Plummer
- Vote recorded Third Reading. Result: pass.Upper
- Apr 16Third Reading - Passed; 056-000-000Passed Senate
- Apr 15Added as Co-Sponsor Sen. Andrew S. Chesney
- Mar 12Placed on Calendar Order of 3rd Reading March 24, 2026
- Mar 12Second ReadingMinor
- Mar 11Placed on Calendar Order of 2nd Reading March 12, 2026Minor
- Vote recorded Do Pass. Result: pass.Upper
- Mar 11Do Pass Judiciary; 009-000-000
- Feb 25Postponed - Judiciary
- Feb 18Postponed - Judiciary
- Feb 3Assigned to JudiciaryMinor
- Feb 3Referred to Assignments
- Feb 3First ReadingMinor
- Feb 3Filed with Secretary by Sen. Robert F. MartwickIntroduced
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