Deutsche Bank National Trust v. Puma
65 N.E.3d 899
| Ill. App. Ct. | 2016Background
- Deutsche Bank filed a foreclosure complaint in July 2012 against David and Luz Puma, alleging default on a mortgage and attaching the note, mortgage, and assignment.
- Complaint prayed for foreclosure and sale, attorney fees, costs, and specifically requested an order granting possession.
- The Pumas answered pro se denying liability; Deutsche Bank moved for summary judgment and a judgment of foreclosure and sale.
- Court granted summary judgment and entered a judgment of foreclosure and sale on June 3, 2014, preserving mortgagor possession until sale confirmation.
- Property sold to Deutsche Bank; after post-sale motions (including the Pumas’ untimely motion to reconsider), the court confirmed the sale on November 10, 2015, and ordered possession to the purchaser.
- The Pumas appealed, arguing the complaint failed to name them as defendants whose possessory rights were sought to be terminated under the Foreclosure Law form (735 ILCS 5/15-1504(a)(3)(T)).
Issues
| Issue | Plaintiff's Argument (Deutsche Bank) | Defendant's Argument (Pumas) | Held |
|---|---|---|---|
| Whether Deutsche Bank’s complaint validly sought post-confirmation possession over the Pumas despite not using the precise §15-1504(a)(3)(T) language | Substantial compliance with the foreclosure-form pleading and attachments (mortgage, note, assignment) sufficiently identified the Pumas as mortgagors/owners and requested possession | Omission of the precise §15-1504(a)(3)(T) language means the Pumas were not "named" for termination of possessory rights; possession could only be obtained by separate §15-1701 petition or detainer action | Court held substantial compliance sufficed; Pumas were effectively named elsewhere and the possession order on confirmation was proper |
Key Cases Cited
(Opinion did not cite authorities with official reporter citations suitable for this list.)
