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Adam J. Lysinski
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Adam Lysinski’s Answers

127 total


  • My ex husband & i purchased a home in cook county in 2005 I am not on the loan but I am on the deed .

    The bank does not want the home , there are numerous violations on the home the city is threating to tear it down . The bank well not take it and they do not want us to sell it's in a bad neighbor hood not sure what to do . How can we get the bank...

    Adam’s Answer

    Sorry to hear about your problem, You got good answers. I would also look at your overall situation. You might have a few more options, but it is difficult to tell based on your fact pattern. I suggest you contact an attorney. Good Luck.

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  • I got served a summons to go to court on 7/11 from Capital One Credit Card. What do I do?

    I had an agreement with them to take a payment out every month when I fell behind due to joblessness. In March, they stopped but I didn't realize it. I haven't seen a statement in ages--I thought because we had the agreement and the card was clo...

    Adam’s Answer

    I agree. This is not just a legal decision, but an economical one. It is difficult to tell you if you should get a lawyer or not, or if you should consider other options. Please talk to an attorney so that you can make an informed decision.

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  • I was told I did not have enough debt to qualify for chapter 7, was I scammed.

    my wife and I had three active garnishments, about forty thousand in CC debt and a foreclosure and personal guarantied loans from my closed business. My attorney convinced my to buy a twelve thousand car loan to raise my debt otherwise I would on...

    Adam’s Answer

    I agree. Although there is nothing in your fact pattern to indicate that chapter7 wan not an option, it is difficult to determine what were your options at the time you got advice. Sorry you had a bad experience.

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  • I am 50% partner in LLC in Chicago, IL - My partner will not allow me access to cash receipts etc.

    I would like to have a business attorney in Chicago review my case on a percentage fee. I am unemployed and receiving no funds from my partner whom is living a very lavish live style.

    Adam’s Answer

    I agree. I'm sorry to hear about your situation. It is difficult to resolve these matters without filing a lawsuit in court. And generally these are not the type of cases that are taken on a percentage fee basis. However, you might have certain rights under your agreement, and a demand letter from an attorney might help you out. Good Luc.

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  • My lease has ended. I am 2600 behind. I have the money to pay in full, but that leaves me with nothing. Also, we have never paid

    utilities and suddenly we get a electric bill for 1800 and they shut off the power. How long minimally do we have till Chicago's finest comes and vacates us? Do we have ANY recourse? Are we just better off taking off? Do we have ANY rights if the ...

    Adam’s Answer

    I'm sorry to hear about your situation. Eviction process takes several months in Chicago. Whether you should stay or go really depends on your personal situation, the lease, and what type of building you are in (see if Chicago landlord tenant ordinance applies - which might give you some recourse). I suggest you find your lease and see an attorney. Good Luck

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  • Is a deed in lieu a good option?

    I can no longer afford my house. After a reduction in my husbands pay, my car dying , my husbands garnishment, and excessive debt. My mortgage company said that a deed in lieu is my best option. I do not wish to stay in my home because property ta...

    Adam’s Answer

    I agree. The banks will very rarely accept a deed in lieu. However, you probably have more options than you are aware of. I strongly suggest you sit down with an attorney and find out what option is best for you and your family. Good luck.

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  • How do I get my name removed off a deed from a home? The house was sold in a foreclosure sale. The city keeps writing citations

    in my name.

    Adam’s Answer

    I agree, you need to look into this asap. Check with the clerks office to see where you are at, here is the link:

    http://www.cookcountyclerkofcourt.org/?section=CASEINFOPage&CASEINFOPage=2400

    Good Luck.

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  • Do i have to appear in a mortgage foreclosure summons even if i do not want to keep the home?

    my husband & i have been separated for over a year. He has been living in the home since the separation. He has filed for bankruptcy. I do not wish to keep the house. What are my options?

    Adam’s Answer

    In short, no you do not have to appear. However, if your name is on the note, a deficiency judgment can be entered against you (this means you can potentially owe money to the bank even after the foreclosure is over). Check the documents form your closing, or the complaint that was filed in court to see if you are liable (if you signed the note). If you are not sure, ask a foreclosure attorney asap. Either way, please note that the foreclosure will result in the title being taken away, which will lead to an eviction. Good luck.

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  • If our condo unit is in foreclosure, and we are current on the assessments, can the condo association charge legal fees ?

    Our condo association was named as a defendant along with us on the Mortgage Foreclosure Summons since "it may have some interest in the subject real estate by virtue of unpaid assessments or other charges" and "its interest in the mortgaged real ...

    Adam’s Answer

    I agree, legally most of the time the bylaws will allow for recovery of legal fees. Practically, the association does not really need to engage in foreclosure action, but regrettable it does have that option. Sorry to hear about your extra expenses. Good Luck.

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  • Do I need a lawyer to handle a short sale on my home.

    We are currently in the foreclosure process.

    Adam’s Answer

    I agree. Additionally it is traditional in Chicago for the seller’s attorney to order the title commitment and prepare the closing documents. As a general rule, at a short sale you will not be able to take any money away from the closing. It is likely that attorneys fee will be included in the closing fees, and depending on your payoff letter, you will probably not be required to bring any additional funds to the closing. Lastly, some people might stand to really benefit from not doing a short sale. Talk to an attorney asap. Good Luck.

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