Old Second National Bank, N.A. v. Karolewicz

2022 IL App (1st) 192091, 206 N.E.3d 1052, 462 Ill. Dec. 333
CourtAppellate Court of Illinois
DecidedMarch 18, 2022
Docket1-19-2091
StatusPublished
Cited by7 cases

This text of 2022 IL App (1st) 192091 (Old Second National Bank, N.A. v. Karolewicz) is published on Counsel Stack Legal Research, covering Appellate Court of Illinois primary law. Counsel Stack provides free access to over 12 million legal documents including statutes, case law, regulations, and constitutions.

Bluebook
Old Second National Bank, N.A. v. Karolewicz, 2022 IL App (1st) 192091, 206 N.E.3d 1052, 462 Ill. Dec. 333 (Ill. Ct. App. 2022).

Opinion

2022 IL App (1st) 192091

SIXTH DIVISION March 18, 2022

Nos. 1-19-2091, 1-20-0257, & 1-20-1191 (cons.)

IN THE APPELLATE COURT OF ILLINOIS FIRST DISTRICT

OLD SECOND NATIONAL BANK, N.A., Successor by ) Merger to ABC Bank f/k/a Austin Bank of Chicago, ) ) Plaintiff-Appellee and Appellant, ) Appeal from the ) Circuit Court of v. ) Cook County ) KENNETH KAROLEWICZ a/k/a Kenneth Karol; JANE ) No. 16 CH 7557 F. KAROLEWICZ a/k/a Jane F. Karol; and Unknown ) Owners and Non-record Claimants, ) The Honorable ) John J. Curry, Jr., Defendants ) Judge, presiding. ) (Kenneth Karolewicz a/k/a Kenneth Karol and Jane F. ) Karolewicz a/k/a Jane F. Karol, Defendants-Appellants ) and Appellees). )

PRESIDING JUSTICE PIERCE delivered the judgment of the court, with opinion. Justices Harris and Mikva concurred in the judgment and opinion.

OPINION

¶1 These consolidated appeals involve a final judgment in a mortgage foreclosure action, and

implicate the rules regarding stays of enforcement, the circuit court’s use of nunc pro tunc orders,

appellate jurisdiction, and issues of mootness.

¶2 Defendants, Kenneth and Jane Karol (the Karols) appeal from the circuit court of Cook

County’s (1) entry of summary judgment in favor of plaintiff, Old Second National Bank, N.A., Nos. 1-19-2091, 1-20-0257, & 1-20-1191 (cons.)

(2) judgment of foreclosure and sale, (3) order approving sale, and (4) denial of the Karols’ post-

confirmation of sale motion to vacate the judgment. Plaintiff filed two notices of appeal, one from

the circuit court’s order staying enforcement of the circuit court’s judgment—entered more than

30 days after the circuit court denied the Karols’ postjudgment motion to vacate—and one from

the circuit court’s denial of plaintiff’s motion to reconsider the order staying enforcement of the

judgment. During briefing, we consolidated the parties’ appeals. For the reasons that follow, we

dismiss the Karols’ appeal as moot, and dismiss plaintiff’s appeals for lack of jurisdiction.

¶3 I. BACKGROUND

¶4 In December 2015, plaintiff filed a verified complaint to foreclose a mortgage on the

Karols’ home for their failure to make payments on a $182,000 promissory note secured by the

mortgage. Plaintiff alleged the Karols were in default “as of the December 9, 2015 payment,” and

alleged the total amount due on the note was $185,026.07. The Karols filed a pro se answer

admitting some of the allegations and asserting in part they lacked sufficient knowledge to admit

or deny the alleged default and amount due.

¶5 On June 12, 2017, plaintiff filed motions for summary judgment and for a judgment of

foreclosure and sale. The motions were entered and continued numerous times. On June 19, 2018,

Kenneth filed a pro se response 1 to the motion for summary judgment, which was essentially a

motion to strike plaintiff’s affidavit of amounts due and owing for failure to comply with Illinois

Supreme Court Rules 191(a) (eff. Jan. 4, 2013) and 113 (eff. July 1, 2018). The gist of the response

was that plaintiff only attached partial copies of the business records it relief on, and plaintiff did

not attach a complete payment history to the affidavit. Kenneth did not attach any affidavits to his

response.

1 While not germane to any issue on appeal, we note that Jane did not sign the response to the motion for summary judgment or file a separate response.

2 Nos. 1-19-2091, 1-20-0257, & 1-20-1191 (cons.)

¶6 On July 13, 2018, plaintiff filed a reply in support of its motion for summary judgment and

an amended affidavit of amounts due and owing with records attached reflecting a payment history

from the loan’s inception in June 2010 through June 2018. Plaintiff’s reply explained that the initial

affidavit of amounts due and owing only attached records reflecting the loan history after

November 9, 2014, which was when the parties entered into a change-in-terms agreement

modifying the note’s interest rate. The reply also asserted that in May 2017, the Karols entered

into a recapture agreement with the Illinois Housing Development Authority (IHDA), under which

the Karols received $35,000 of interim mortgage assistance in the form of a forgivable loan. The

reply contains the following statements:

“The attached Amended Affidavit of Amounts Due and Owing establishes

that the payment history prior to June 9, 2017 is irrelevant as all prior defaults were

cured when the IHDA reinstated the loan. The payment history—from June 9, 2017

to the date of filing the current Motion for Summary Judgment on December 18,

2017—was attached to the supporting Affidavit of Amounts Due and Owing. The

attached Amended Affidavit of Amounts Due and Owing shows that the defendants

have made no payments to the plaintiff since the filing of the current Motion for

Summary Judgment.

The unrefuted and admitted evidence establishes that the default occurred

as stated in the Complaint, that default has not been cured, the amount of the

judgment and that Plaintiff is entitled to entry of a Judgment of Foreclosure and

Sale which sets forth the respective redemption period and the terms of the sale in

the event the loan is not redeemed.”

3 Nos. 1-19-2091, 1-20-0257, & 1-20-1191 (cons.)

The reply brief concludes: “The defendant’s response brief creates no genuine issue of material

fact. The defendants signed the mortgage and note and have not made adequate, consistent

payments under the note since November 24, 2017. Therefore, summary judgment relief is

proper.”

¶7 The circuit court scheduled a hearing on the motion for July 27, 2018. On that date, the

circuit court entered summary judgment in favor of plaintiff and against the Karols and a judgment

of foreclosure and sale. The record does not contain any transcript of any hearing that took place

on that date. On May 23, 2019, the property was sold at a judicial auction to First American Bank

Trustee u/t/a dated January 4, 2019 (FAB). On June 18, 2019, the circuit court confirmed the

judicial sale and awarded possession to FAB, which by statute was stayed for 30 days.

¶8 On July 11, 2019, the Karols, now represented by counsel, filed a motion to extend the

order of possession, and on July 17, filed a postjudgment motion to vacate the circuit court’s June

18, 2019, order approving sale. The Karols’ motion to vacate asserted they reinstated the loan in

June 2017 when plaintiff accepted funds from IHDA under the Illinois Hardest Hit Fund Program.

Attached to the motion to vacate were affidavits from Kenneth and from Sean Washington, the

operations director of the Northwest Side Housing Center, along with supporting documents. On

July 26, 2019, the circuit court stayed possession of the property through September 13, 2019, and

entered a briefing schedule on the Karols’ motion to vacate. On August 14, 2019, the circuit court

allowed FAB—the successful bidder at the judicial sale—to intervene. On September 13, 2019,

after briefing and a hearing, the circuit court denied the Karols’ motion to vacate and stayed the

order of possession through October 13, 2019. The record on appeal does not contain a transcript

of any proceedings on September 13, 2019.

4 Nos. 1-19-2091, 1-20-0257, & 1-20-1191 (cons.)

¶9 The Karols filed a notice of appeal on October 10, 2019—docketed in this court as appeal

No. 1-19-2091—identifying the circuit court’s July 27, 2018, judgment of foreclosure, June 18,

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Bluebook (online)
2022 IL App (1st) 192091, 206 N.E.3d 1052, 462 Ill. Dec. 333, Counsel Stack Legal Research, https://law.counselstack.com/opinion/old-second-national-bank-na-v-karolewicz-illappct-2022.