SUBMITTED BY PATRICK ZAMKIN

XOME

INTERCOUNTY JUDICIAL SALES CORPORATION intercountyjudicialsales.com

I3222624

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY

DIVISION NEWREZ LLC D/B/A SHELLPOINT MORTGAGE SERVICING

Plaintiff, -v.KATHLEEN DUBOSE, CLARENCE DUBOSE

Defendants

2022 CH 03012

1337 E. 167th PLACE

SOUTH HOLLAND, IL 60473

NOTICE OF SALE

PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on September 30, 2022, an agent for The Judicial Sales Corporation, will at 10:30 AM on July 19, 2023, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 35R, Chicago, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate:

Commonly known as 1337 E. 167th PLACE, SOUTH HOLLAND, IL 60473

Property Index No. 29-23-410-028-0000

The real estate is improved with a single family residence.

The judgment amount was $271,555.01.

Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance, in certified funds/or wire transfer, is due within twenty-four (24) hours. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in “AS IS” condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale.

The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information.

If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4).

If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1).

IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS

AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW.

You will need a photo identification issued by a government agency (driver’s license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales.

For information, contact JOHNSON, BLUMBERG & ASSOCIATES, LLC Plaintiff’s Attorneys, 30 N. LASALLE STREET, SUITE 3650, Chicago, IL, 60602 (312) 541-9710. Please refer to file number 21 8995.

THE JUDICIAL SALES CORPORATION

One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE

Commonly known as 912 MILLER PLACE, PHOENIX, IL 60426

Property Index No. 29-16-203-050-0000

The real estate is improved with a single family residence with a two car garage.

Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance, in certified funds/or wire transfer, is due within twenty-four (24) hours. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in “AS IS” condition. The sale is further subject to confirmation by the court.

Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale.

The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information.

If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4).

If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1).

IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW.

You will need a photo identification issued by a government agency (driver’s license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales.

MCCALLA RAYMER LEIBERT PIERCE, LLC Plaintiff’s Attorneys, One North Dearborn Street, Suite 1200, Chicago, IL, 60602. Tel No. (312) 346-9088. THE JUDICIAL SALES CORPORATION

One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE

You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.

MCCALLA RAYMER LEIBERT PIERCE, LLC One North Dearborn Street, Suite 1200 Chicago IL, 60602 312-346-9088

E-Mail: pleadings@mccalla.com

Attorney File No. 22-13373IL_862923

Attorney Code. 61256

Case Number: 22 CH 11634

TJSC#: 43-1752

NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff’s

FOR MERRILL LYNCH MORTGAGE INVESTORS TRUST, MORTGAGE LOAN ASSET-BACKED CERTIFICATES, SERIES 2007-HE3 Plaintiff, -v.IVIN SMITH, MARY SMITH, MV REALTY OF ILLINOIS, LLC, UNKNOWN OWNERS AND NONRECORD CLAIMANTS Defendants 2022 CH 11334 15406 ASHLAND AVENUE HARVEY, IL 60426 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on March 14, 2023, an agent for The Judicial Sales Corporation, will at 10:30 AM on July 25, 2023, at The Judicial Sales Corporation, One South Wacker, 1st Floor Suite 35R, Chicago, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 15406 ASHLAND AVENUE, HARVEY, IL 60426 Property Index No. 29-18-231-014-0000 The real estate is improved with a condo/ townhouse. Sale terms:

25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance, in certified funds/or wire transfer, is due within twenty-four (24) hours. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in “AS IS” condition. The sale is further subject to confirmation by the court.

Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale.

The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information.

If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4).

If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1).

IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS

AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW.

You will need a photo identification issued by a government agency (driver’s license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales.

For information, examine the court file, CODI-

LIS & ASSOCIATES, P.C. Plaintiff’s Attorneys, 15W030 NORTH FRONTAGE ROAD, SUITE 100, BURR RIDGE, IL, 60527 (630) 794-9876

THE JUDICIAL SALES CORPORATION

One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE

You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales.

CODILIS & ASSOCIATES, P.C.

15W030 NORTH FRONTAGE ROAD, SUITE

100

If you save and invest for decades, you’d like to know you can retire without financial worries. Nonetheless, you still have to be aware of some threats to a comfortable retirement — and how to respond to them.

These threats include:

• Inflation – Inflation has been high recently, but even a mild inflation rate can seriously erode your purchasing power. In fact, with just a 3% inflation rate, your expenses could double in about 25 years — and your retirement could easily last that long. So, if you’re going to rely on your investment portfolio for a sizable part of your retirement income, you will need to own a reasonable number of growth-oriented investments, such as stocks or stock-based funds, whose potential returns can equal or exceed the inflation rate.

• Excessive withdrawals – Once you retire, you should establish a withdrawal rate for your portfolio — an amount you can take out each year and still feel secure that you won’t run out of money. Some people make the mistake of withdrawing too much, too soon, once they’re retired. Your withdrawal rate should be based on several factors, including your age at retirement, the size of your portfolio and the amount of income you receive from other sources, such as Social Security. A financial professional can help you determine a withdrawal rate that’s appropriate for your needs.

• Market volatility – The financial markets will always fluctuate. When you’re still working, this volatility may not be such a problem, as you have years or decades to recover from short-term downturns. But when you retire, you don’t want to have to sell investments when their price is down. To help prevent this, you can tap into the cash in your portfolio, assuming you have enough to cover several months’ worth of living expenses. You could also draw on a CD

“ladder” — a group of CDs that mature at different times — to provide you with resources for the next few years and allow your equity investments time to recover their value.

• Unexpected costs – You had them when you were working, and you’ll probably have them when you’re retired: the furnace that breaks down, the car that needs a major repair, and so on. But if you’ve established an emergency fund containing a year’s worth of living expenses, with the money kept in a liquid account, you may be able to “ride out” these costs without jeopardizing your investment portfolio. Be sure to keep these reserves separate from your typical day-today accounts to avoid the temptation of spending your emergency money.

• Health – Retirees may face more health concerns than younger people, and those concerns often come with larger medical bills. That’s why it’s important to maximize the benefits from Medicare or your Medicare Advantage plan. Also, if you contributed to a Health Savings Account (HSA) while you were working, and you haven’t depleted it, you can use the money in retirement. As long as the HSA funds are used for qualified medical expenses, withdrawals are tax- and penalty-free, and won’t be included in your income. This could help keep your income below certain levels, lower your Medicare premiums or avoid the 3.8% surtax on net investment income that can be assessed on high-net-worth taxpayers. Retirement can be a pleasant time in your life — and you’ll enjoy it more if you’re prepared for the challenges that face all retirees.

Read The Shopper Online issuu.com/myshopper

Real Estate Specialists

Real Estate Questions & Answers

CATHY & JIM HIGGINS

BURR RIDGE IL, 60527

630-794-5300

E-Mail: pleadings@il.cslegal.com

14-22-08327 Attorney ARDC No. 00468002 Attorney Code. 21762 Case Number: 2022 CH 11334 TJSC#: 43-2309 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff’s attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Case # 2022 CH 11334

I3222900

Question: Our offer to purchase was rejected by the homeowner. Our agent said they did not give a reason for the rejection. What could have happened?

Answer: Rejected offers cause home buyer’s considerable disappointment. You’ve found the home of your dreams and you’ve made an offer. Your hopes are high, and then—BOOM!

The homeowner doesn’t want to sell it to you.

It begs the question: Why? What went wrong? Purchase offers are usually rejected for these common reasons, and most have dollar signs attached.

The seller might believe that the buyer isn’t serious about purchasing the property if the offer is too low. Sellers can easily feel insulted and might be too angry to respond. They’ll reject the offer outright with no further discussion.

The seller might also feel that it’s too early to look at less-than-list-price offers if the property has just come on the market, and sellers almost certainly won’t consider them if they’ve received multiple offers.

Your agent should always touch base with the listing agent to find out whether the seller has any specific requirements or hot buttons. But sometimes listing agents include helpful hints in the agent remarks portion of the MLS.

In either case, write these concerns into your offer. You might be able to offer a longer closing date if the seller needs a later closing date or speed up your closing in the opposite situation—the seller is anxious to get this deal done by a certain deadline.

Increase the deposit. If the seller wants substantial earnest money. Offer to buy the property “as is” after providing for a home inspection if the seller is concerned about repairs.

It can be as simple as the seller wanting a lender’s preapproval letter from a reputable lender. One that your agent knows will get the job done. Sellers want assurance that you’re qualified for financing, so they can proceed knowing this buyer will get approved.

It’s uncommon for a seller to simply reject an offer outright. Go over your offer again with your Realtor, keeping in mind what we mentioned earlier, to avoid making the same mistake the second time around.