I live in IL. My mortgage was turned over to an attorney for foreclosure. I said that I wanted to pay the full amount I needed to to reinstate immediately. It took them 2 weeks, and then they gave me the amount plus legal fees. I sent them the payment, and they sent it to Citi. Citi says that they received the payment. However, Citi now says they cannot discuss anything with me because it is under review. My credit is awful and I have no reported income last year. There is no way I would be eligible for a mortgage if I had to get one today. However, I think that if I paid the full amount required to reinstate that legally they MUST reinstate my mortgage. Is this true?? Is there any way they can not allow me to reinstate my mortgage if I paid the late payments, fees, etc. Thank you so much!