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Chicago homeowners: This spooky season, meet the real scare—zombie mortgages. A second mortgage/HELOC that went quiet isn’t forgiven; many were sold and are resurfacing across Chicagoland. What to do (48-hour plan): Send us the letter (front/back envelope). We verify the current owner and your real deadline/court status. We map options—negotiate, defend, cure, or sell. Our foreclosure defense attorney Damon Ritenhouse at EV Häs Law Group leads these reviews. DM “ZOMBIE” for a 48-Hour Quick-Scan.
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