National Collegiate Student Loan Trust 2007-4 v. Phelps

2025 IL App (1st) 231783
Appellate Court of Illinois·Decided September 19, 2025·No. 1-23-1783·Published

Opinion

2025 IL App (1st) 231783

No. 1-23-1783

FIFTH DIVISION

September 19, 2025

IN THE

APPELLATE COURT OF ILLINOIS FIRST DISTRICT

NATIONAL COLLEGIATE STUDENT LOAN) Appeal from the Circuit Court TRUST 2007-4, ) of Cook County.

)

Plaintiff-Appellee, )

)

v. ) No. 2019-M5-01183 )

KIMBERLY PHELPS, ) The Honorable ) Thomas W. Murphy, Defendant-Appellant. ) Judge, presiding.

JUSTICE ODEN JOHNSON delivered the judgment of the court, with opinion.

Justice Mikva concurred in the judgment and opinion.

Presiding Justice Mitchell dissented, with opinion.

OPINION

¶1 For the following reasons, we dismiss the appeal for lack of jurisdiction where the appellant, Kimberly Phelps, failed to file either a notice of appeal within 30 days or a motion with this court to file a late notice of appeal.

¶2 I. BACKGROUND

¶3 On February 19, 2019, plaintiff National Collegiate Student Loan Trust 2007-4 filed a complaint against defendant Phelps regarding a student loan that was in default. The complaint alleged that, as of January 22, 2019, the amount owed by defendant was $33,487.48. On April 8, 2019, the trial court entered a default judgment against her for the sum of $33,487.48, plus costs of $438.64. On April 25, 2019, plaintiff moved to vacate the default judgment and enter a stipulation signed by both parties. The stipulation was on a single sheet of paper, with the top half of the sheet titled “Stipulation,” and the bottom half of the sheet titled “Order.”

¶4 The “Stipulation” half of the sheet stated, in full:

“It is hereby stipulated and agreed by and between the parties that this action be dismissed without prejudice and with leave to reinstate as the Defendant[ ] agrees to pay the Plaintiff the sum of $33,547.48 payable at the rate of $130.00 per month starting 4/15/2019 and the 15th of each month thereafter until the sum is paid in full.”

The stipulation was signed by both parties. The address under defendant’s signature was her parents’ address in Merrionette Park, Illinois.

¶5 On May 18, 2019, the trial court entered the “Order” half of the sheet by signing and dating it. Per the order, the case was “dismissed without prejudice and with leave to reinstate if Defendant[ ] fails to abide by this agreement.” The order stated that “This court retains jurisdiction to enforce the settlement agreement.” The order also stated:

“If Defendant[ ] defaults on this Agreement, Plaintiff shall have leave to move this Court, upon Notice to the Defendant[ ] by regular mail and appropriate Motion, to

reinstate the case and to have Judgment entered against the Defendant[ ] in the amount of $33,547.48 plus 9% interest less any payments made hereunder.”

¶6 On February 11, 2020, plaintiff filed a motion to vacate the dismissal order and for judgment, due to defendant’s alleged failure to make payments. The motion alleged that defendant’s last payment was on October 2, 2019. Plaintiff sought $32,797.48, plus costs of $500.37. On March 9, 2020, the court ordered defendant to file a response by March 16, 2020, with a status hearing set for March 26, 2020. On March 20, 2020, defendant’s attorney filed a “General Appearance” on behalf of defendant. On August 29, 2020, a status hearing was set for October 3, 2020, and on October 3, 2020, it was reset for November 14, 2020.

¶7 On November 14, 2022, the trial court entered a typed order, indicating that the court had held a hearing that day, where both parties were represented by counsel. The order granted plaintiff’s motion to vacate the dismissal order of May 18, 2019, and entered judgment against defendant in the sum of $32,797.48, plus costs of $500.37.

¶8 The order indicated that defendant had attempted to file a “motion to quash” on the same day as the hearing. Per the typed order, the trial court denied defendant’s motion without the motion “being received or reviewed by the court.” The trial court also denied defendant’s “request to continue the presentment of Defendant’s motion to quash to 11/29/2022 to allow the court to read the motion to quash.” However, the trial court did permit defendant to “file a motion for reconsideration of this order.” There is no transcript for this hearing or any other hearing in the record before us.

¶9 On November 16, 2022, defendant filed a motion to quash service on the ground that plaintiff’s complaint was served on defendant by substitute service at her parents’ home, although defendant allegedly resided in Arizona in March 2019 when it was served. In an

affidavit, defendant acknowledged that her father received “some documents” concerning plaintiff, at the same address listed under her name on the stipulation that she signed in 2019. Similarly, her father submitted an affidavit acknowledging that a sheriff’s deputy came to his home and handed him sealed envelopes for defendant.

¶ 10 On December 13, 2022, defendant filed a motion for reconsideration, as previously permitted by the court, with the motion to quash attached. On January 9, 2023, the court set defendant’s motions for a hearing on March 27, 2023. On March 27, 2023, the hearing was rescheduled to April 10, 2023, and on April 10, 2023, it was rescheduled to April 24, 2023.

¶ 11 The parties agree on appeal that, on April 24, 2021, a hearing was held, although no transcript appears in the record for this date. The court’s half-sheet confirms that a hearing was held at 1:30 p.m. on April 24, 2021. In the column titled “Orders Entered,” the half-sheet entry states that the court’s “ruling” was that defendant’s motion to reconsider was “denied.” The half-sheet has an attestation clause at the bottom of one of the sheets, beginning with “State of Illinois, County of Cook, ss:.” The clause states that the judgments and judges at the proceedings held on the days indicated were “as herein above and hereinafter stated.” The “attest” line under the clause begins with “Dorothy Brown, Clerk of the Circuit Court.”

¶ 12 Exactly 30 days later, on May 24, 2023, defendant filed a “Motion for Entry of Order.” The motion alleged that, on April 24, 2023, the trial court had denied defendant’s motion to reconsider. In her motion for entry of an order, defendant sought “a final order in this matter without backdating the Order, so that she may preserve her right to an appeal.”

¶ 13 In response, plaintiff noted that judgment had been entered against defendant on November 14, 2022, and that the court had denied defendant’s fully briefed and argued motion to reconsider on April 24, 2023. Plaintiff argued that defense counsel brought the instant

motion to ask for a typed order reflecting the April 24, 2023, ruling but with a different date. Plaintiff argued that defense counsel had no legitimate basis for this request, and plaintiff asked the court to enter a typed order memorializing the April 24, 2023, ruling, and to date it April 24, 2023.

¶ 14 On June 12, 2023, the matter was set for a status on August 21, 2023, at which time it was continued for a hearing to August 29, 2023, and again continued to September 7, 2023. On September 7, 2023, the trial court entered an order that stated in full:

“This matter coming before the Court for hearing on Defendant’s Motion for Entry of Order, with Plaintiff present through counsel *** and Defendant through counsel ***, due notice given, the Court having jurisdiction and being fully advised in the premises, it is hereby ordered that:

1. Defendant’s Motion for Entry of Order is denied for reasons stated on the record;

2. The Court finds the denial of Defendant’s Motion to Reconsider occurred on April 24, 2023;

3. The Court finds no written order was entered into the Court’s record to reflect the April 24, 2023[,] denial of Defendant’s Motion to Reconsider;

4. A written order shall enter, dated April 24, 2023, to reflect the April 24, 2023[,]

denial of Defendant’s Motion to Reconsider.”

¶ 15 The appellate record contains an order, dated April 24, 2023, that states in full:

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National Collegiate Student Loan Trust 2007-4 v. Phelps, 2025 IL App (1st) 231783 (Ill. Ct. App. 2025).

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