You cannot do something like this on your own. Robo-signing is not a defense to foreclosure any place in the US and has not been one for about 7 to 10 years now. Predatory lending is very hard to prove. You need to focus on foreclosure defense. Only a mortgage foreclosure defense attorney has the expertise to prevent you from having more problems than you can possibly imagine. To properly answer your questions and address your concerns, the best way to handle this is with an in person consultation with an experienced IL mortgage foreclosure defense attorney. You need to retain the best mortgage foreclosure defense attorney you can afford. You should not be restricted by geographic factors. THIS IS NOT LEGAL ADVICE! YOU NEED TO SPEAK TO AN ATTORNEY WHO IS LICENSED IN YOUR STATE FOR LEGAL ADVICE. This is merely suggestions for you to think about in discussing your situation with the local attorney.
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You do not need to file a lawsuit most likely you need to raise affirmative defenses, and any counterclaims that exist in the foreclosure itself. If the the claim is one that is related to federal laws you could file in federal court. However, res judicata will kick in and you will be barred if you failed to raise this in the state court and the merits were adjudicated as to this issue.
A predatory loan could be a defense depending on the specifics. Robo-signing is usually the basis of a standing defense but all they need to prove is the person had authority to make that indorsement.
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