Law Office of Kelli Dudley

NOTHING WRITTEN ON THIS PAGE,, or elsewhere on the Internet by Kelli Dudley IS INTENDED AS LEGAL ADVICE. Contact an attorney of your choice for specific legal questions.

Kelli Dudley is licensed only in Illinois. Most of her practice is in Cook County, Illinois. Those who hire Kelli Dudley receive a written contract that clearly explains rights and responsibilities. A modest initial payment is required. The payment and hourly fees are clearly explained, and invoices are sent monthly. No homeowner should hire an attorney who does not similarly document the attorney-client relationship or who is vague about the hourly cost of his or her work. If an attorney does not account for monies received, this is unethical. Homeowners should not hire these kinds of attorneys.

Kelli Dudley strongly recommends against hiring an attorney to do “loan modifications.” An attorney cannot legally do this for up-front payment in Illinois unless the service is connected to litigation. FREE assistance with loan modification questions is available from HUD-Certified Housing Counselors listed at Any non-lawyer soliciting modification business without a clear contract signed in advance or requiring payment before the service is performed is committing fraud under Illinois law. Similarly, one should be cautious about paying up-front for an “attorney” or others to handle short sale negotiations, deeds in lieu of foreclosure, and other “graceful exit solutions.” Generally, these solutions are graceful for the bank and for the person receiving funds, not the homeowner.

Bankruptcy is an option for a few people who face foreclosure or related issues. Generally, attorneys pressing for fees for a bankruptcy before thoroughly evaluating the client’s file are not acting in a way that will preserve the homeowner’s legal rights. Filing a Chapter 7 bankruptcy can result in forfeiture of possessions, including the home one is trying to save. A Chapter 13 bankruptcy will only be successful if one can afford to make regular monthly debt payments, such as the regular mortgage payment, AND a payment to the Bankruptcy Trustee designed to catch up on one’s debt obligations. Someone who has been unable to make his or her regular payment will normally be unable to make the regular payment plus the additional payment to the Trustee. When either payment is missed, the creditor (bank) can have the “automatic stay” in bankruptcy lifted and proceed with the foreclosure.

Homeowners are advised to proceed with great caution when seeking advice related to home ownership.


Kelli Dudley


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