US Bank Nat Ass'n V Avdic

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US Bank, Nat. Ass\rquote n v. Avdic, 2014 IL App (1st) 121759 (2014)
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10 N.E.3d 339, 381 Ill.Dec. 254
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2014 IL App (1st) 121759
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Appellate Court of Illinois,
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First District, Fifth Division.
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US BANK, NATIONAL ASSOCIATION, Plaintiff\u8211\'3fAppellee,
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v.
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Asim AVDIC, Defendant\u8211\'3fAppellant (Hidajeta Avdic; Bank of America, N.A.,
Successor by Merger to
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LaSalle Bank, N.A.
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; Unknown Owners and Nonrecord Claimants, Defendants).
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No. 1\u8211\'3f12\u8211\'3f1759.
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May 2, 2014.
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Synopsis
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Background:
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Bank brought mortgage foreclosure action against mortgagors and others. The Cir
cuit Court, Cook County,
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Darryl B. Simko
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, J., denied one mortgagor\rquote s motion to strike bank\rquote s summary judgm
ent affidavit, awarded summary judgment to bank, denied mortgagor\rquote s motio
n to reconsider, and approved the foreclosure sale of the mortgaged property. Mo
rtgagor appealed.
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\u160\'3f
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Holdings:
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The Appellate Court,
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Palmer
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, J., held that:
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bank employee\rquote s summary judgment affidavit contained sufficient factual
detail to satisfy Supreme Court Rule governing such affidavits;
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factual averments in employee\rquote s affidavit satisfied the foundational req
uirements for admission of bank\rquote s computer records into evidence;
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bank had standing to foreclose mortgage; and
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mortgagor was not entitled to take the deposition of bank employee before trial
court ruled on the summary judgment motion.
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Affirmed.
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West Headnotes (36)
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Mortgages
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Decisions reviewable
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The circuit court\rquote s order confirming the foreclosure sale, and not the ju
dgment of foreclosure, constitutes the final and appealable order in foreclosure
actions.
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Sup.Ct.Rules, Rule 303
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In the absence of a record on appeal that is sufficiently complete to support an
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In general, Appellate Court reviews a circuit court\rquote s decision on a motio
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Execution and judicial sales
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A circuit court\rquote s decision to confirm the judicial sale of property is re
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The circuit court abuses its discretion if it committed an error of law or where
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Reasons for Decision
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Review of correct decision based on erroneous reasoning in general
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Appeal and Error
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Grounds for Sustaining Decision Not Considered
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In reviewing the circuit court\rquote s decisions on appeal, Appellate Court rev
iews the judgment, not the reasoning, of the trial court, and it may affirm on a
ny grounds in the record, regardless of whether the trial court relied on those
grounds or whether the trial court\rquote s reasoning was correct.
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1 Cases that cite this headnote
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Judgment
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Matters of fact or conclusions
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A summary judgment affidavit must not contain mere conclusions and must include
the facts upon which the affiant relied.
}
Sup.Ct.Rules, Rule 191(a)

.
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Judgment
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}
}
{\f2 \b0 \fs20 \cf1 \i0
185.1/View.html?docGuid=I05863f78d56a11e390d4edf60ce7d742&originationContext=doc
)" }{\fldrslt
Affidavits, Form, Requisites and Execution of
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
A summary judgment affidavit is actually a substitute for testimony taken in ope
n court and should meet the same requisites as competent testimony.
}
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540092014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600

ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[10]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
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}
}
{\f2 \b0 \fs20 \cf1 \i0
185(3)/View.html?docGuid=I05863f78d56a11e390d4edf60ce7d742&originationContext=do
cument&vr=3.0&rs=cblt1.0&transitionType=DocumentItem&contextData=(sc.CustomDiges
t)" }{\fldrslt
Admissibility
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
The circuit court may not consider evidence that would be inadmissible at trial
when assessing a motion for summary judgment.
}
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540102014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[11]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
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d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
est)" }{\fldrslt
Persons who may make affidavit
\par
}
}
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
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776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
est)" }{\fldrslt
Personal knowledge or belief of affiant
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
If, from the document as a whole, it appears that a summary judgment affidavit i
s based upon the personal knowledge of the affiant and there is a reasonable inf
erence that the affiant could competently testify to its contents at trial, Supr
eme Court rule governing summary judgment affidavits is satisfied.
}
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540112014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[12]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
est)" }{\fldrslt
Defects and objections
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
When only portions of a summary judgment affidavit are improper under applicable
Supreme Court Rule, a trial court should only strike the improper portions of t
he affidavit.
}
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540122014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0

{\f2 \b1 \fs20 \cf1 \i0
[13]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Evidence
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
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d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Unofficial or business records in general
\par
}
}
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Evidence
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
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d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Necessity in General
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
To admit business records into evidence as an exception to the general rule excl
uding hearsay, the proponent must lay a proper foundation by showing that the re
cords were made: (1) in the regular course of business, and (2) at or near the t
ime of the event or occurrence.
}
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540132014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0

\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[14]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Evidence
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
The theory upon which entries made in the regular course of business are admissi
ble as an exception to the hearsay rule is that, since their purpose is to aid i
n the proper transaction of the business and they are useless for that purpose u
nless accurate, the motive for following a routine of accuracy is great and the
motive to falsify nonexistent. Rules of Evid., Rule 803(6).
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540142014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[15]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Evidence
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
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d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
\par
}
}
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Evidence
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Necessity in General
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Where computer-generated records are involved, the proponent of their admission
into evidence under the business records exception to the hearsay rule must show
that the equipment which produced the record is recognized as standard, the ent
ries were made in the regular course of business at or reasonably near the happe
ning of the event recorded and the sources of information, method, and time of p
reparation were such as to indicate their trustworthiness and to justify their a
dmission. Rules of Evid., Rule 803(6);
}

.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540152014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[16]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0

{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Evidence
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Determination of question of admissibility
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0

}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
The determination that records are admissible as business records rests within t
he sound discretion of the circuit court. Rules of Evid., Rule 803(6).
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540162014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[17]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
est)" }{\fldrslt
Personal knowledge or belief of affiant
\par
}
}
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
185.3(15)/View.html?docGuid=I05863f78d56a11e390d4edf60ce7d742&originationContext
=document&vr=3.0&rs=cblt1.0&transitionType=DocumentItem&contextData=(sc.CustomDi
gest)" }{\fldrslt
Liens and mortgages
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Bank employee\rquote s summary judgment affidavit, submitted in bank\rquote s mo
rtgage foreclosure action, contained sufficient factual detail to satisfy Suprem
e Court Rule governing such affidavits; employee averred, among other things, th
at her duties included reviewing and analyzing bank\rquote s business and loan r
ecords, that bank maintained records for each loan in the ordinary course of bus
iness, including a loan payment history and copies of origination documents, tha
t she had reviewed those records for mortgagor\rquote s loan, that the documents
she relied on were attached to the affidavit, and that according to those docum
ents the loan was past due, and specific amounts were owed.
}
Rules of Evid., Rule 803(6);
}
Sup.Ct.Rules, Rules 191(a)
,
}
236(a)
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540172014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[18]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Evidence
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Form and Sufficiency in General
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Lack of personal knowledge by the maker of a business record may affect the weig
ht afforded the evidence, but not its admissibility.
}

.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540182014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[19]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0

{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Evidence
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Under Supreme Court Rule governing admission of business records into evidence i
t is the business record itself, not the testimony of a witness who makes refere
nce to the record, which is admissible.
}
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540192014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {

llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[20]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
t)" }{\fldrslt
Documentary evidence or official record
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Factual averments in bank employee\rquote s summary judgment affidavit satisfied
the foundational requirements for admission of bank\rquote s computer records i
nto evidence in mortgage foreclosure action; employee\rquote s statements establ
ished that the computer software system that generated the records was customari
ly used in the business, was used for the life of the loan at issue, and was reg
ularly tested for reliability.
}
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540202014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[21]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
est)" }{\fldrslt
Effect of failure to file affidavit
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Facts contained in an affidavit in support of a motion for summary judgment whic
h are not contradicted by counteraffidavit are admitted and must be taken as tru
e for purposes of the motion.

}
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540212014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[22]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
t)" }{\fldrslt
Weight and sufficiency
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Denials in a defendant\rquote s answer do not create a genuine issue of material
fact to prevent summary judgment.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540222014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[23]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
est)" }{\fldrslt
Effect of failure to file affidavit
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
When a party moving for summary judgment files supporting affidavits containing
well-pleaded facts, and the party opposing the motion files no counteraffidavits
, the material facts set forth in the movant\rquote s affidavits stand as admitt
ed; the opposing party may not stand on his or her pleadings in order to create
a genuine issue of material fact.
}
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540232014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[24]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Mortgages
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Presentation and reservation in lower court of grounds of review
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Mortgagor waived any challenge to bank\rquote s standing to bring mortgage forec
losure action arising out of bank\rquote s alleged status as the servicer of the
underlying loan, where mortgagor did not raise the issue until his motion to re
consider trial court\rquote s award of summary judgment to bank.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0

_20333307540242014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[25]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
ldrslt
Action
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
3/View.html?docGuid=I05863f78d56a11e390d4edf60ce7d742&originationContext=documen
t&vr=3.0&rs=cblt1.0&transitionType=DocumentItem&contextData=(sc.CustomDigest)" }
{\fldrslt
Persons entitled to sue
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0

{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
A plaintiff is not required to allege facts establishing standing; rather, the b
urden rests with the defendant to plead and prove lack of standing.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540252014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
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llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[26]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
ldrslt
Action
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
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}
}
{\f2 \b0 \fs20 \cf1 \i0
3/View.html?docGuid=I05863f78d56a11e390d4edf60ce7d742&originationContext=documen
t&vr=3.0&rs=cblt1.0&transitionType=DocumentItem&contextData=(sc.CustomDigest)" }
{\fldrslt
Persons entitled to sue
\par
}
}
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
ldrslt
Appeal and Error
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
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}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Capacity or right to sue or defend
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Alleging lack of standing is an affirmative defense in a civil case, which a def
endant waives if not raised in a timely fashion in the trial court.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540262014101501472}
\sb200
\par
}
}
}
ll \row }}\par
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}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[27]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
ldrslt
Appeal and Error
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
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}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Judgment
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Theories not raised during summary judgment proceedings are waived on review.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540272014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0

[28]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Mortgages
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Holders of obligations secured

\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Bank had standing to foreclose mortgage, even though it was not the original len
der; bank pled that it was the mortgagee and attached the promissory note and mo
rtgage to its complaint, note provided that the borrower understood that the ori
ginal lender could transfer the note, note was endorsed to bank and signed by of
ficers of both the original lender and bank, and mortgage named electronic regis
try as the original mortgagee, \u8220\'3fsolely as nominee\u8221\'3f for origina
l lender and its successors, and stated that note and mortgage could be sold one
or more times, and that a sale might result in a change in the loan servicer. S
.H.A.
}
dType=L&pubNum=1000008&cite=IL735S5%2f15-1504&originatingDoc=I05863f78d56a11e390
d4edf60ce7d742&refType=SP&originationContext=document&vr=3.0&rs=cblt1.0&transiti
onType=DocumentItem&contextData=(sc.CustomDigest)#co_pp_8b3b0000958a4" }{\fldrsl
t
735 ILCS 5/15\u8211\'3f1504(a)
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540282014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[29]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Mortgages
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
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d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Form and requisites in general
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
A foreclosure complaint is deemed sufficient if it contains the statements and r
equests called for by the form set forth in the Mortgage Foreclosure Law. S.H.A.
}
t
735 ILCS 5/15\u8211\'3f1504(a)
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540292014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[30]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Mortgages
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
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}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Plaintiffs
\par
}
}
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Mortgages
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
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d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Trustees in trust deeds
\par
}
}
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Mortgages
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0

\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
A foreclosure action may be pursued by the legal holder of the indebtedness, a p
ledgee, an agent, or a trustee, and a plaintiff can maintain a lawsuit although

the beneficial ownership of the note is in another person.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540302014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[31]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0

fldrslt
Mortgages
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Transfer of Debt or Obligation Secured
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0

}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
The assignment of a mortgage note carries with it an equitable assignment of the
mortgage by which it was secured.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540312014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[32]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Mortgages
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
\par
}
}
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0

{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Mortgages
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Weight and Sufficiency of Evidence
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
The mere fact that a copy of the note is attached to a mortgage foreclosure comp
laint is itself prima facie evidence that the plaintiff owns the note, so as to
have standing.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540322014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0

[33]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Mortgages
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
t)" }{\fldrslt
Construction and effect of answer
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
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{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Provision of mortgagor\rquote s answer to bank\rquote s mortgage foreclosure com
plaint in which mortgagor admitted to paragraph of the complaint wherein bank al
leged that it brought the action as a mortgagee under the Mortgage Foreclosure L
aw functioned as a judicial admission that bank had standing to bring foreclosur
e complaint. S.H.A.
}
d4edf60ce7d742&refType=LQ&originationContext=document&vr=3.0&rs=cblt1.0&transiti
onType=DocumentItem&contextData=(sc.CustomDigest)" }{\fldrslt
735 ILCS 5/15\u8211\'3f1208
.
\par
}
}
}
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_20333307540332014101501472}
\sb200
\par
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ll \row }}\par
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}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
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llx600
ellx4640
\intbl
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{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[34]
\par
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fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
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}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
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}
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{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Hearing and determination
\par
}
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}
llx600
ellx4640
\intbl
{\li30 \ri30
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}
}
{\li30 \ri30
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{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Mortgagor was not entitled to take the deposition of bank employee whose summary
judgment affidavit was submitted in support of bank\rquote s summary judgment m
otion in mortgage foreclosure action before trial court ruled on the motion; mor
tgagor did not file affidavit explaining why he needed the deposition in order t
o oppose the motion and requesting a continuance.
}
Sup.Ct.Rules, Rule 191(b)
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540342014101501472}
\sb200
\par
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}
}
ll \row }}\par
}
}
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}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
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{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[35]
\par
}
}
}
{\li30 \ri30
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{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0

fldrslt
Judgment
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0
}{\fldrslt
Hearing and determination
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Parties who fail to file affidavits requesting a continuance of summary judgment
to permit further discovery cannot complain that the discovery process was insu
fficient or limited.
}
Sup.Ct.Rules, Rule 191(b)
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540352014101501472}
\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\par
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0 {
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
[36]
\par
}
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
fldrslt
Mortgages
}
}
{\f2 \b0 \fs20 \cf1 \i0
{\f2 \b0 \fs20 \cf1 \i0
\par
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
0a1a0a0000000d494844520000001c0000001008020000008aad88b80000001974455874536f6674
776172650041646f626520496d616765526561647971c9653c000002e34944415478da9c545d4854
d14a09fb4b800100952bb3962ee31a410000000049454e44ae426082}}
}
}
{\f2 \b0 \fs20 \cf1 \i0

}{\fldrslt
Scope and mode of review
\par
}
}
}
llx600
ellx4640
\intbl
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
}
}
{\li30 \ri30
{\li30 \f2 \b0 \ql \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
Mortgagor waived, for purposes of appeal, any challenge to trial court\rquote s
denial of his motion for reconsideration of the denial of his motion to strike b
ank\rquote s summary judgment affidavit and the award of summary judgment to ban
k, even though trial court\rquote s order denying the motion for reconsideration
was one of the orders designated in mortgagor\rquote s notice of appeal followi
ng the approval of foreclosure sale, where mortgagor presented no argument regar
ding the denial of his motion for reconsideration in his opening brief on appeal
.
}
Sup.Ct.Rules, Rule 341(h)(7)
.
\par
}
}
}
{\li30 \f2 \qj \b0 \ri30 \fs20 \cf1 \i0
_20333307540362014101501472}

\sb200
\par
}
}
}
ll \row }}\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
}
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{\*\bkmkstart co_headnotesEnd_1}{\*\bkmkend co_headnotesEnd_1}
\par
}
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{\*\bkmkstart co_attorneysAndLawFirms_1}{\*\bkmkend co_attorneysAndLawFirms_1}
Attorneys and Law Firms
\par
}
}
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{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
{\f2 \b1 \fs20 \cf1 \i0
{\*\bkmkstart co_pp_sp_7902_343_1}{\*\bkmkend co_pp_sp_7902_343_1}
*343
}
}
Law Offices of Andjelko Galic, of Chicago (
}
Andjelko Galic
}}}
, of counsel), for appellant.
\par
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
Codilis & Associates, P.C., of Chicago (

}
Louis Manetti, Jr.
}}}
\sb200
, and Margaret Manetti, of counsel), for appellee.
\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
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{\*\bkmkstart co_anchor_I70de48a4544111e498db8b09b4f04}{\*\bkmkend co_anchor_I70
de48a4544111e498db8b09b4f04}
\par
{\li0 \f2 \b1 \ri0 \fs20 \cf1 \qc \i0
{\f2 \b1 \fs20 \cf1 \i0
{\f2 \b1 \fs20 \cf1 \i0
OPINION
\par
}
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
Justice
}
PALMER
}}}
\sa200
\sb200
delivered the judgment of the court, with opinion.
\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
{\f2 \b1 \fs20 \cf1 \i0

**258
}
}
\u182\'3f 1 In this mortgage foreclosure action, defendant, Asim Avdic, appeals
following the circuit court of Cook County\rquote s entry of an order approving
the sale of his property. Avdic challenges the court\rquote s orders granting s
ummary judgment for plaintiff, U.S. Bank, N.A., denying his motion to
}
}
{\f2 \b1 \fs20 \cf1 \i0
**259
}
}
}
{\f2 \b1 \fs20 \cf1 \i0
*344
}
}
strike U.S. Bank\rquote s affidavit, denying his motion to reconsider, and appr
oving the sale of the property.
\par
}
}
}
\u160\'3f
\par
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
de48a5544111e498db8b09b4f04}
\par
{\li0 \f2 \b1 \ri0 \fs20 \cf1 \qc \i0
{\f2 \b1 \fs20 \cf1 \i0
\u182\'3f 2 I. BACKGROUND
\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 3 On July 1, 2010, U.S. Bank filed a foreclosure complaint against Asi
m Avdic, Hidajeta Avdic,
}
{\f2 \b0 \fs16 \cf1 \i0
{\*\bkmkstart co_footnoteReference_B00112033330754_ID0}{\*\bkmkend co_footnoteRe
ference_B00112033330754_ID0}
{\field {\*\fldinst HYPERLINK "#co_footnote_B00112033330754_1" }{\fldrslt
1
}}}
}
Bank of America, N.A., and United Survey Service, LLC,
}
{\f2 \b0 \fs16 \cf1 \i0
ference_B00222033330754_ID0}
2
}}}
}
regarding the mortgage and note executed by Asim and Hidajeta Avdic for propert
y located at 3707 W. North Shore Avenue in Lincolnwood, Illinois. The complaint
alleged that U.S. Bank was the mortgagee pursuant to section 15\u8211\'3f1208 of
the Illinois Mortgage Foreclosure Law (Foreclosure Law) (
}
735 ILCS 5/15\u8211\'3f1208 (West 2010)
}}}
). The complaint also alleged that Asim and Hidajeta Avdic, as mortgagors, execu
ted a mortgage in the amount of $417,000 on February 22, 2008, and the mortgage
was recorded on April 15, 2008, in Cook County. Further, the original mortgagee
was Mortgage Electronic Registration Systems, Inc. (MERS), \u8220\'3fas Nominee
for LaSalle Bank N.A.\u8221\'3f The complaint alleged that defendants had not pa
id the monthly installments of principal, interest, taxes, and insurance from Se
ptember 2009 through the time of filing the complaint, and the principal balance
was $409,821.19 at that time.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 4 U.S. Bank attached a copy of the mortgage and note to the complaint.
The mortgage was dated February 22, 2008, and provided that MERS was the benefi
ciary, LaSalle Bank was the lender, and Asim Avdic was the borrower. It was sign
ed by both Asim and Hidajeta Avdic, and it was also notarized. The accompanying
note was for the amount of $417,000, with an interest rate of 6.125%, and monthl
y payments of $2,533.74. The first payment was due on April 1, 2008. It was sign
ed by Asim Avdic. The note was also endorsed \u8220\'3fPAY TO THE ORDER OF U.S.
Bank NA WITHOUT RECOURSE\u8221\'3f and signed by officers of LaSalle Bank and U.
S. Bank.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 5 On July 21, 2010, Asim and Hidajeta Avdic filed a verified answer to
the complaint and entered an appearance as
}
{\f2 \b0 \fs20 \cf1 \i1
pro se
}
}
defendants. They admitted to nearly all the paragraphs in the complaint. In rel
evant part, they admitted that: February 22, 2008, was the date of the mortgage;
that Asim and Hidajeta Avdic were the mortgagors; MERS was the original mortgag
ee; the mortgage was recorded on April 15, 2008; the original amount of the mort
gage was $417,000; Asim Avdic was the owner of the property and executed the not
e; and U.S. Bank brought the foreclosure action as the mortgagee under section 1
5\u8211\'3f1208 of the Foreclosure Law. The only paragraph to which the Avdics r
esponded that they had insufficient information to admit or deny was paragraph 3
(J), which provided, \u8220\'3fMortgagors have not paid the monthly installments
of principal, taxes, interest and insurance for 09/01/2009, through the present
; the principal balance due of the Note and the Mortgage is
}
{\f2 \b1 \fs20 \cf1 \i0
**260
}
}
}
{\f2 \b1 \fs20 \cf1 \i0
*345
}
}
$409,821.19, plus interest, costs, advances and fees. Interest accrues pursuant
to the note.\u8221\'3f Thereafter, attorney Andjelko Galic filed a notice of su
bstitute appearance on October 12, 2010.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0

\u182\'3f 6 The record reflects that U.S. Bank subsequently moved for summary ju
dgment and for entry of judgment of foreclosure on two or three occasions in lat
e 2010 and early 2011, but the motions were either withdrawn without prejudice o
r never proceeded upon. The motion for summary judgment filed in November 2010 i
ncluded the affidavit of Maria Lawrence, who indicated that she was assistant vi
ce president of U.S. Bank.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 7 On August 31, 2011, U.S. Bank again moved for summary judgment and f
or entry of an order of default and judgment of foreclosure and sale.
}
US Bank argued that summary judgment was appropriate because, pursuant to secti
on 2\u8211\'3f1005 of the Code of Civil Procedure (
}
dType=L&pubNum=1000008&cite=IL735S5%2f2-1005&originatingDoc=I05863f78d56a11e390d
4edf60ce7d742&refType=LQ&originationContext=document&vr=3.0&rs=cblt1.0&transitio
nType=DocumentItem&contextData=(sc.CustomDigest)" }{\fldrslt
735 ILCS 5/2\u8211\'3f1005 (West 2010)
}}}
), defendants failed to establish that any genuine issue of material fact existe
d and failed to submit a counteraffidavit. In support of its motion, U.S. Bank a
ttached the signed and notarized affidavit of Rebecca Armstrong, who averred tha
t she had \u8220\'3fpersonal knowledge of the facts stated herein.\u8221\'3f Att
ached to the affidavit were copies of the mortgage, note, and several computer p
rintouts containing the payment history of the mortgage. In summary, Armstrong a
verred that she had been employed by U.S. Bank since 2002 and her duties include
d reviewing and analyzing U.S. Bank\rquote s business and loan records, which in
cluded computer-generated payment histories and copies of origination documents.
Armstrong also averred that she was familiar with, had been trained on, and was
qualified to use the computer software system that maintained the records. She
averred that she had reviewed the business records and loan file for Avdic\rquot
e s loan, that the monthly payment was due for September 1, 2009, and each month
thereafter, and that U.S. Bank elected to declare the entire balance due, and t
hus, the total amount due through July 25, 2011, was $478,460.87, which included
the principal balance of $409,821.19, accrued interest of $49,761.91, late char
ges, and other expenses incurred by U.S. Bank.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0

\u182\'3f 8 On September 26, 2011, the circuit court entered an order granting U
.S. Bank\rquote s motion for summary judgment and for a judgment of foreclosure
and sale pursuant to section 15\u8211\'3f1506 (
}
735 ILCS 5/15\u8211\'3f1506 (West 2010)
}}}
), and also entered an order of default against Bank of America and United Surve
y Service for failing to appear or plead and an order dismissing the \u8220\'3fu
nknown owners and nonrecord claimants\u8221\'3f as defendants. However, later on
that same day, the court entered an order vacating all of these orders \u8220\'
3fpursuant to the agreement of the parties.\u8221\'3f
}
{\f2 \b0 \fs16 \cf1 \i0
ference_B00332033330754_ID0}
3
}}}
}
The court entered an order setting a briefing schedule and hearing date for U.S
. Bank\rquote s motions. The response to the motion was due October 24, 2011, th
e reply was due November 7, 2011, and the hearing was set for November 22, 2011.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 9 On October 24, 2011, Avdic filed a motion to strike Armstrong\rquote
s affidavit on grounds that it did not comply with
}
Illinois Supreme Court Rule 191
}}}
(eff. Jan. 4, 2013). Avdic argued that Armstrong did not have sufficient person
al knowledge of his file, she did not work with his file on a regular basis or b
efore litigation arose, she did not know about the storage and retrieval methods
used by U.S. Bank in maintaining
}
{\f2 \b1 \fs20 \cf1 \i0

**261
}
}
}
{\f2 \b1 \fs20 \cf1 \i0
*346
}
}
and processing records, and she did not personally receive or observe the recei
pt of the payments or have personal knowledge of how they were applied. Avdic as
serted that the authenticity of the attached records could not be determined, Ar
mstrong failed to explain the computer software program that was used to generat
e the payment history or provide the name of the software program, and she faile
d to show how she arrived at the amounts due. Avdic also argued that the amount
that Armstrong averred was paid into escrow ($0) was incorrect, as the attached
payment history showed a balance of $5,582 in escrow in October 2008. Avdic cont
ended that the attached records were incomplete and were not sworn or certified
copies of all documents used to prepare the affidavit, and they were thus hearsa
y without proper foundation.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 10 On November 22, 2011, the circuit court entered an order resetting
the due date for U.S. Bank\rquote s reply and rescheduling the date of the heari
ng on the motions.
}
The order also indicated that \u8220\'3fthe parties agreeing that defendant\rqu
ote s motion to strike is deemed a response & plaintiff shall reply to said moti
on.\u8221\'3f
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 11 In U.S. Bank\rquote s December 2, 2011, reply, it asserted that pur
suant to sections 15\u8211\'3f1107(a) and 15\u8211\'3f1506(a)(2) (
}
t
735 ILCS 5/15\u8211\'3f1107(a)
}}}
, 15\u8211\'3f1506(a)(2) (West 2010)), the court should enter a judgment of fore
closure because its motion was supported by Armstrong\rquote s affidavit stating
the amount due on the mortgage. It argued that it was entitled to summary judgm
ent under the Foreclosure Law, and to the extent it was inconsistent with
}
}}}
, the Foreclosure Law prevailed. Further, because Avdic failed to submit a count
eraffidavit or offer other evidence to rebut the accuracy of the amount due set
forth in Armstrong\rquote s affidavit, Armstrong\rquote s affidavit must be take
n as true. US Bank asserted that the attached documents were admissible as busin
ess records and therefore the affiant\rquote s personal knowledge was irrelevant
. US Bank argued that the affidavit complied with both
}
Rule 191
}}}
and
}
}}}
(eff. Aug. 1, 1992).
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 12 On December 15, 2011, the circuit court granted U.S. Bank\rquote s
motion for summary judgment and denied Avdic\rquote s motion to strike the affid
avit. It also held that Avdic\rquote s notice of deposition of Armstrong was \u8
220\'3frendered moot.\u8221\'3f
}
{\f2 \b0 \fs16 \cf1 \i0
ference_B00442033330754_ID0}
4
}}}
}
It\rquote s order indicated that oral arguments were heard regarding the motion
s. In the separate order granting summary judgment, the court held that Avdic\rq
uote s answer \u8220\'3fas pleaded without sufficient supporting documentation,
does not raise a genuine issue of material fact sufficient to preclude the entry
of Summary Judgment in favor of Plaintiff.\u8221\'3f The court entered a judgme
nt of foreclosure and sale pursuant to section 15\u8211\'3f1506 (
}
735 ILCS 5/15\u8211\'3f1506 (West 2010)
}}}
), which provided that the total amount due, including principal, accrued intere
st, advances, litigation costs, and attorney fees, was $490,888.98. The order se
t the redemption period to expire on March 16, 2012, and provided that the sale
of the property was to occur pursuant to section 15\u8211\'3f1507 (
}
735 ILCS 5/15\u8211\'3f1507 (West 2010)
}}}
). The court also entered an order of default against Bank of America and United
Survey Service.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 13 On January 17, 2012, Avdic moved for reconsideration of the Decembe
r 15, 2011, orders. Avdic reiterated his arguments regarding the deficiencies in
the Armstrong affidavit and argued that it violated
}
{\f2 \b1 \fs20 \cf1 \i0
**262
}
}
}
{\f2 \b1 \fs20 \cf1 \i0
*347
}
}
the best evidence rule, hearsay rule, and business records rule. He argued that
the assertions were conclusory and contradicted the attached documents, and the
documents were incomplete and not certified. Avdic also argued that he should h
ave been given an opportunity to respond to the motion for summary judgment afte
r the court denied his motion to strike, and contended that it was error to gran
t summary judgment before allowing him to take the deposition of Armstrong. Furt
her, Avdic asserted that no assignment of mortgage from LaSalle Bank or MERS was
attached to the complaint, and MERS should have been made a defendant. The circ
uit court denied his motion to reconsider on February 24, 2012.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 14 On April 6, 2012, U.S. Bank moved the court to approve the sale, wh
ich occurred at a public auction on March 19, 2012. US Bank purchased the proper
ty for $510,797.74. The circuit court entered an order approving the sale on May
14, 2012, and held that all required notices under section 15\u8211\'3f1507(c)
(
}
onType=DocumentItem&contextData=(sc.CustomDigest)#co_pp_4b24000003ba5" }{\fldrsl
t
735 ILCS 5/15\u8211\'3f1507(c)
}}}
(West 2010)) were properly given, and the sale was fair and properly made, and
ordered that U.S. Bank was entitled to possession within 30 days of the order.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[1]
}}}
{\f2 \b0 \fs20 \cf5 \i0
{\*\bkmkstart co_anchor_B12033330754_1}{\*\bkmkend co_anchor_B12033330754_1}
}
\u182\'3f 15 On June 12, 2012, Avdic filed a notice of appeal pursuant to
}
}}}
(eff. May 30, 2008).
}
{\f2 \b0 \fs16 \cf1 \i0
ference_B00552033330754_ID0}
5
}}}
}
In the notice of appeal, Avdic stated that he was appealing the May 14, 2012, o
rder approving the sale and granting possession to U.S. Bank; the February 24, 2
012, order denying his motion to reconsider; and the December 15, 2011, order de
nying his motion to strike Armstrong\rquote s affidavit and granting U.S. Bank\r
quote s motion to summary judgment.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[2]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[3]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}

\u182\'3f 16 We note that, on appeal, defendant has not provided any transcript
s or report of proceedings from any hearings before the circuit court, although
the record suggests that oral arguments were heard on the motion for summary jud
gment and motion for reconsideration. It is the appellant\rquote s duty to provi
de on appeal a sufficiently complete record of the lower court proceedings to su
pport his claims of error.
}
dType=Y&serNum=2003308201&pubNum=0000578&originationContext=document&vr=3.0&rs=c
blt1.0&transitionType=DocumentItem&contextData=(sc.CustomDigest)" }{\fldrslt
{\f2 \b0 \fs20 \cf5 \i1
Midstate Siding & Window Co. v. Rogers,
}
}
204 Ill.2d 314, 319, 273 Ill.Dec. 816, 789 N.E.2d 1248 (2003)
}}}
. \u8220\'3f[I]n the absence of such a record on appeal, the reviewing court wil
l presume that the order entered by the trial court was in conformity with the l
aw and had a sufficient factual basis [citations.] The court will resolve any do
ubts arising from the incompleteness of the record against the appellant.\u8221\
'3f
}
{\f2 \b0 \fs20 \cf1 \i1
Id.
\par
}
}
}
}
\u160\'3f
\par
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
de48a6544111e498db8b09b4f04}
\par
{\li0 \f2 \b1 \ri0 \fs20 \cf1 \qc \i0
{\f2 \b1 \fs20 \cf1 \i0
\u182\'3f 17 II. ANALYSIS
\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[4]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}

}
[5]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[6]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[7]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 18 We review
}
{\f2 \b0 \fs20 \cf1 \i1
de novo
}
}
the circuit court\rquote s decision to grant a motion for summary judgment.
}
{\f2 \b0 \fs20 \cf5 \i1
Outboard Marine Corp. v. Liberty Mutual Insurance Co.,
}
}
154 Ill.2d 90, 102, 180 Ill.Dec. 691, 607 N.E.2d 1204 (1992)
}}}
. In general, this court reviews a circuit court\rquote s decision on a motion t
o strike an affidavit for an abuse of discretion, but when the motion \u8220\'3f
was made in conjunction with the court\rquote s ruling on a motion for summary j
udgment,\u8221\'3f we employ a
}
{\f2 \b0 \fs20 \cf1 \i1
de novo
}
}
standard of review with respect to the motion to strike.
}
{\f2 \b0 \fs20 \cf5 \i1
Jackson v. Graham,
}
}
323 Ill.App.3d 766, 773, 257 Ill.Dec. 330, 753 N.E.2d 525 (2001)
}}}
. A circuit court\rquote s decision to confirm the judicial sale of property is
reviewed for an abuse of discretion.
}
{\f2 \b1 \fs20 \cf1 \i0
**263
}
}
}
{\f2 \b1 \fs20 \cf1 \i0
*348
}
}
}
{\f2 \b0 \fs20 \cf5 \i1
Household Bank, FSB v. Lewis,
}
}
229 Ill.2d 173, 178, 322 Ill.Dec. 15, 890 N.E.2d 934 (2008)
}}}
. The circuit court abuses its discretion if it committed an error of law or whe
re no reasonable person would take the view adopted by the court.
}
{\f2 \b0 \fs20 \cf5 \i1
CitiMortgage, Inc. v. Johnson,
}
}
2013 IL App (2d) 120719, \u182\'3f 18, 373 Ill.Dec. 257, 993 N.E.2d 563
}}}
;
}
{\f2 \b0 \fs20 \cf5 \i1
McClandon v. Rosewell,
}
}
}}}
. In reviewing the circuit court\rquote s decisions on appeal, we observe that \
u8220\'3fthis court reviews the judgment, not the reasoning, of the trial court,
and we may affirm on any grounds in the record, regardless of whether the trial
court relied on those grounds or whether the trial court\rquote s reasoning was
correct.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Coghlan v. Beck,
}
}
2013 IL App (1st) 120891, \u182\'3f 24, 368 Ill.Dec. 407, 984 N.E.2d 132
}}}
.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 19 On appeal, Avdic contends that the trial court erred in granting su
mmary judgment for U.S. Bank and denying his motion to strike because triable is
sues of fact existed and there were multiple defects in Armstrong\rquote s affid
avit and the exhibits attached to it. Similar to his arguments in the circuit co
urt, he contends that the affidavit contained \u8220\'3fboilerplate\u8221\'3f co
nclusory statements about which Armstrong had no personal knowledge, the exhibit
s were incomplete and not sworn or certified, the exhibits could not be admitted
into evidence as business records because U.S. Bank failed to provide the prope
r foundation or authentication, the affidavit contained conflicting information
from the exhibits, Armstrong failed to explain how she arrived at the amounts du
e, and she failed to provide the name of the computer software program used.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 20 In response, U.S. Bank maintains that it was entitled summary judgm
ent because Avdic\rquote s answer admitted all allegations of the complaint exce
pt the amount due and owing, and defendant submitted no evidence or counteraffid
avit to create an issue of material fact or otherwise contest the allegations an
d evidence presented by U.S. Bank. Further, U.S. Bank asserts that Armstrong\rqu
ote s affidavit complied with
}
Rule 191
}}}
, and in any case, the attached documents were admissible as business records pu
rsuant to
}
Rule 236
}}}
(eff. Aug. 1, 1992) and Illinois Rule of Evidence 803(6) (eff. Jan. 1, 2011).
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 21 \u8220\'3fSummary judgment is appropriate where the pleadings, affi
davits, depositions, and admissions on file, when viewed in the light most favor
able to the nonmoving party, demonstrate that there is no genuine issue of mater
ial fact and that the moving party is entitled to judgment as a matter of law.\u
8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1

West Bend Mutual Insurance v. Norton,
}
}
}}}
. \u8220\'3fThe form of affidavits used in connection with motions for summary j
udgment is governed by
}
Supreme Court Rule 191
}}}
* * *.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Harris Bank Hinsdale, N.A. v. Caliendo,
}
}
}}}
.
}
Rule 191
}}}
provides in relevant part:
\par
}
}
{\li200 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li200 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u8220\'3fAffidavits in support of * * * a motion for summary judgment under sec
tion 2\u8211\'3f1005 of the Code of Civil Procedure * * * shall be made on the p
ersonal knowledge of the affiants; shall set forth with particularity the facts
upon which the claim, counterclaim, or defense is based; shall have attached the
reto sworn or certified copies of all documents upon which the affiant relies; s
hall not consist of conclusions but of facts admissible in evidence; and shall a
ffirmatively show that the affiant, if sworn as a witness, can testify competent
ly thereto.\u8221\'3f
}
Ill. S.Ct. R. 191(a)
}}}
(eff. Jan. 4, 2013).
\par
}
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[8]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[9]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[10]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[11]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[12]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 22 Accordingly, a
}
Rule 191(a)
}}}
affidavit must not contain mere conclusions and must include the facts upon whi
ch the affiant relied.
}
{\f2 \b1 \fs20 \cf1 \i0
**264
}
}
}
{\f2 \b1 \fs20 \cf1 \i0
*349
}
}
}
{\f2 \b0 \fs20 \cf5 \i1
Landeros v. Equity Property & Development,
}
}
}}}
. \u8220\'3f[T]he affidavit is actually a substitute for testimony taken in open
court and should meet the same requisites as competent testimony.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Harris Bank Hinsdale,
}
}
235 Ill.App.3d at 1025, 176 Ill.Dec. 632, 601 N.E.2d 1330
}}}
. The circuit court may not consider \u8220\'3fevidence that would be inadmissib
le at trial\u8221\'3f when assessing a motion for summary judgment.
}
{\f2 \b0 \fs20 \cf1 \i1
Id.
}
}
\u8220\'3f \u8216\'3fIf, from the document as a whole, it appears that the affi
davit is based upon the personal knowledge of the affiant and there is a reasona
ble inference that the affiant could competently testify to its contents at tria
l,
}
Rule 191
}}}
is satisfied.\u8217\'3f \u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Doria v. Village of Downers Grove,
}
}
}}}
(quoting
}
{\f2 \b0 \fs20 \cf5 \i1
Kugler v. Southmark Realty Partners III,
}
}
}}}
). \u8220\'3f[W]hen only portions of an affidavit are improper under
}
Rule 191(a)
}}}
, a trial court should only strike the improper portions of the affidavit.\u8221
\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Roe v. Jewish Children\rquote s Bureau of Chicago,
}
}
}}}
.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[13]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 23 In addition, to admit business records into evidence as an excepti
on to the general rule excluding hearsay, the proponent must lay a proper founda
tion by showing that the records were \u8220\'3fmade (1) in the regular course o
f business, and (2) at or near the time of the event or occurrence.\u8221\'3f
}
}
{\f2 \b0 \fs20 \cf5 \i1
Gulino v. Economy Fire & Casualty Co.,
}
}
}}}
;
}
Ill. S.Ct. R. 236(a)
}}}
(eff. Aug. 1, 1992). Similarly, Illinois Rule of Evidence 803(6) (eff. Jan. 1,
2011) provides for the admission of \u8220\'3frecords of regularly conducted act
ivity\u8221\'3f where the records consist of:
\par
}
}
{\li200 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li200 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li1000 \f2 \qj \b0 \ri800 \fs20 \cf1 \i0
{\li1000 \f2 \qj \b0 \ri800 \fs20 \cf1 \i0
\u8220\'3fA memorandum, report, record, or data compilation, in any form, of act
s [or] events* * * made at or near the time by, or from information transmitted
by, a person with knowledge, if kept in the course of a regularly conducted busi
ness activity, and if it was the regular practice of that business activity to m
ake the memorandum, report, record or data compilation, all as shown by the test
imony of the custodian or other qualified witness * * *.\u8221\'3f
\par
}
}
}
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[14]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 24 \u8220\'3fThe theory upon which entries made in the regular course
of business are admissible as an exception to the hearsay rule is that \u8216\'
3fsince their purpose is to aid in the proper transaction of the business and th
ey are useless for that purpose unless accurate, the motive for following a rout
ine of accuracy is great and the motive to falsify nonexistent.\u8217\'3f \u8221
\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Kimble v. Earle M. Jorgenson Co.,
}
}
}}}
(quoting Michael H. Graham, Cleary and Graham\rquote s Handbook of Illinois Evi
dence \u167\'3f 803.10, at 817 (7th ed. 1999)).
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[15]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[16]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 25 Where computer-generated records are involved, the proponent must
show that \u8220\'3fthe equipment which produced the record is recognized as sta
ndard, the entries were made in the regular course of business at or reasonably
near the happening of the event recorded and the sources of information, method
and time of preparation were such as to indicate their trustworthiness and to ju
stify their admission.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Riley v. Jones Brothers Construction Co.,
}
}
}}}
. The determination that records are admissible as business records rests within
the sound discretion of the circuit court.
}
{\f2 \b0 \fs20 \cf5 \i1
In re Estate of Weiland,
}
}
}}}
.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[17]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 26 Turning to the present case, we find that Armstrong\rquote s affid
avit contained sufficient factual detail to satisfy the requirements of
}
Rule 191
}}}
. Her affidavit set forth averments regarding the fact
}
{\f2 \b1 \fs20 \cf1 \i0
**265
}
}
}
{\f2 \b1 \fs20 \cf1 \i0
*350
}
}
that she had been an employee of U.S. Bank since 2002, and her duties included
\u8220\'3f reviewing and analyzing the
}
{\f2 \b1 \chcbpat27 \fs20 \cf28 \i0
business
}
}
}
and loan
}
records
}
}
}
for loans that [US Bank] services. I am familiar with [US Bank\rquote s] books
and
}
records
}
}
}
including
}
records
}
}
}
concerning loans [US Bank] services.\u8221\'3f She further averred that U.S. Ba
nk maintained
}
records
}
}
}
and a file for each of the loans its services, which included \u8220\'3fa loan
payment history, computer generated
}
records
}
}
}
, [and] copies of origination documents.\u8221\'3f In particular, she averred th
at she \u8220\'3freviewed and [is] familiar with the
}
business
}
}
}
}
records
}
}
}
and the loan file for\u8221\'3f Avdic\rquote s loan. She further averred that s
he had \u8220\'3fpersonal knowledge that it is now, and was on the date of the e
ntries, the regular course of
}
business
}
}
}
of [US Bank] that the entries on the Payment Histories are made at or near the
time of the occurrence and made in the ordinary course of
}
business
}
}
}
. Said
}
records
}
}
}
are not made in anticipation of litigation.\u8221\'3f
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 27 In particular, Armstrong averred that she reviewed the
}
business
}
}
}
}
records
}
}
}
and loan file for the loan at issue in this case. The mortgage, note, and payme
nt histories upon which she relied were attached to the affidavit. Armstrong ave
rred that according to the attached documents, the loan was due for the Septembe
r 1, 2009, monthly payment and each monthly payment thereafter, and U.S. Bank ha
d elected to claim the entire balance due.
}
After establishing this basis for her knowledge of the loan at issue, Armstrong
described the specific amounts owed by Avdic under the note, including principa
l balance, accrued interest, late charges, and other expenses incurred by U.S. B
ank such as taxes and insurance costs, which totaled $478,460.87 as of July 25,
2011. These statements clearly constituted facts based on Armstrong\rquote s per
sonal knowledge, and not mere conclusions. Moreover, Armstrong swore in her affi
davit that the attached documents were \u8220\'3ftrue and correct,\u8221\'3f tha
t is, they were what they purported to be. Armstrong signed the affidavit and sw
ore \u8220\'3funder penalties as provided by law pursuant to section 1\u8211\'3f
109 of the Code of Civil Procedure [ (
}
dType=L&pubNum=1000008&cite=IL735S5%2f1-109&originatingDoc=I05863f78d56a11e390d4
edf60ce7d742&refType=LQ&originationContext=document&vr=3.0&rs=cblt1.0&transition
Type=DocumentItem&contextData=(sc.CustomDigest)" }{\fldrslt
735 ILCS 5/1\u8211\'3f109 (West 2010)
}}}
) ], certifie[d] that the statement[s] set forth in this instrument are true and
correct.\u8221\'3f The affidavit was also notarized. Although Avdic contends th
at every document relied on should have been attached to the affidavit, it does
not appear that Armstrong refers in her affidavit to any extraneous documents th
at were not also attached to her affidavit.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 28 Contrary to Avdic\rquote s contention, we disagree that the affidav
it in the present case is similar to the affidavit in
}
{\f2 \b0 \fs20 \cf1 \i1
Landeros,
}
}
where this court found that the plaintiffs\rquote affidavit did not comply wit
h
}
Rule 191
}}}
because the affiant, a security expert, merely offered his conclusion about whe
ther the security at a shopping mall met the standard of care without providing
any facts upon which he relied in reaching his conclusion.
}
{\f2 \b0 \fs20 \cf5 \i1
Landeros,
}
}
321 Ill.App.3d at 62\u8211\'3f63, 254 Ill.Dec. 351, 747 N.E.2d 391
}}}
. As explained, Armstrong\rquote s affidavit did not consist of mere conclusions
.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[18]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[19]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 29 In addition, Armstrong\rquote s affidavit established that the att
ached payment histories were made in the regular course of U.S. Bank\rquote s
}
business
}
}
}
and the entries were made at or near the time of the payments. She further aver
red that the computer software program used had been in place for the life of th
e payment histories, was accounting software \u8220\'3fcustomarily used in the b
anking industry,\u8221\'3f was \u8220\'3fperiodically checked for reliability,\u
8221\'3f and could only be accessed by trained personnel who had authority to do
so. As stated, she averred that, based on her personal knowledge, it was U.S. B
ank\rquote s regular course of
}
business
}
}
}
to make the entries on the payment histories at or near
}
{\f2 \b1 \fs20 \cf1 \i0
**266
}
}
}
{\f2 \b1 \fs20 \cf1 \i0
*351
}
}

the time of occurrence. Thus, contrary to Avdic\rquote s contention, Armstrong
explained how the attached payment histories were generated. There is no require
ment that she be familiar with the
}
record
}
}
}
before litigation arose or have personally made the entries into the computer s
ystem. Notably, lack of personal knowledge by the maker may affect the weight af
forded the evidence, but not its admissibility.
}
{\f2 \b0 \fs20 \cf5 \i1
In re Estate of Weiland,
}
}
}}}
. Under
}
Rule 236
}}}
, \u8220\'3fit is the
}
business
}
}
}
}
record
}
}
}
itself, not the testimony of a witness who makes reference to the
}
record
}
}
}
, which is admissible.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Cole Taylor Bank v. Corrigan,
}
}
}}}
.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[20]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 30 Armstrong\rquote s statements also established that the computer s
oftware system was customarily used in the
}
business
}
}
}
, was used for the life of the loan at issue, and was regularly tested for relia
bility.
}
{\f2 \b0 \fs20 \cf5 \i1

Riley,
}
}
}}}
. Accordingly, the factual averments in Armstrong\rquote s affidavit satisfied t
he foundational requirements for admission of the
}
records
}
}
}
and demonstrated that they were trustworthy and reliable.
}
As such, they were properly admissible as
}
business
}
}
}
}
records
}
}
}
.
}
{\f2 \b0 \fs20 \cf5 \i1
Gulino,
}
}
}}}
. See
}
{\f2 \b0 \fs20 \cf5 \i1
Bank of America, N.A. v. Land,
}
}
2013 IL App (5th) 120283, \u182\'3f 14, 372 Ill.Dec. 865, 992 N.E.2d 1266
}}}
(finding that the affidavit by the assistant vice president of the bank regardi
ng the
}
records
}
}
}
of all payments made and the amount due on the loan was admissible under
}
Rule 236
}}}
and sufficient to support bank\rquote s motion for summary judgment).
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[21]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[22]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[23]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 31 We note that Avdic agreed in the circuit court that his motion to
strike would suffice as his answer to the motion for summary judgment. Also, Avd
ic failed to file a counteraffidavit or present any evidence to contradict the a
llegations in U.S. Bank\rquote s complaint and motion for summary judgment. \u82
20\'3f[F]acts contained in an affidavit in support of a motion for summary judgm
ent which are not contradicted by counteraffidavit are admitted and must be take
n as true for purposes of the motion.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Purtill v. Hess,
}
}
111 Ill.2d 229, 241, 95 Ill.Dec. 305, 489 N.E.2d 867 (1986)
}}}
.
\par
}
}
{\li200 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li200 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u8220\'3fDenials in a defendant\rquote s answer do not create a material issue
of genuine fact to prevent summary judgment. [Citation.] When a party moves for
summary judgment files supporting affidavits containing well-pleaded facts, and
the party opposing the motion files no counteraffidavits, the material facts set
forth in the movant\rquote s affidavits stand as admitted. [Citation.] The oppo
sing party may not stand on his or her pleadings in order to create a genuine is
sue of material fact.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Parkway Bank & Trust Co. v. Korzen,
}
}
}}}
.
\par
}
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 32 As stated, the affidavit of Armstrong conformed to
}
Rule 191
}}}
and the
}
business
}
}
}
}
records
}
}
}
related to the mortgage and note at issue were properly admissible. There was s
ufficient evidence to establish plaintiff\rquote s case, and there was no compet
ing affidavit or evidence to contradict this evidence. We also agree with the tr
ial court that defendant\rquote s denials in his affidavit and claim of insuffic
ient knowledge regarding paragraph 3(J) of the complaint (alleging that the Avdi
cs had not paid the monthly installments from September 1, 2009, through the pre
sent and the principal balance due on the note and mortgage was $409,821.19, in
addition to interest, costs, advances, and fees), did not give rise to a materia
l issue of fact. Notably, Avdic never denied that he did not make the payments t
hat were due and owing. Accordingly, we conclude that the
}
{\f2 \b1 \fs20 \cf1 \i0
**267
}
}
}
{\f2 \b1 \fs20 \cf1 \i0

*352
}
}
circuit court properly granted summary judgment for U.S. Bank and denied Avdic\
rquote s motion to strike Armstrong\rquote s affidavit.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 33 In a related argument, Avdic contends that the affidavit contained
conflicting information because Armstrong averred that U.S. Bank was the \u8220\
'3fservicer\u8221\'3f of the loan and referred to servicing the loan on behalf o
f \u8220\'3fplaintiff.\u8221\'3f Avdic maintains that the Federal Loan Mortgage
Corporation should have been the party seeking foreclosure, and U.S. Bank concea
led the true nature of the actual owner of the note and mortgage.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[24]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[25]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[26]
}}}
{\f2 \b0 \fs20 \cf5 \i0

}
}
[27]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 34 To the extent that Avdic\rquote s argument challenges U.S. Bank\rq
uote s standing to bring the foreclosure action, we find that this argument has
been waived. A plaintiff is not required to allege facts establishing standing;
rather, the burden rests with the defendant to plead and prove lack of standing.
}
{\f2 \b0 \fs20 \cf5 \i1
Burnette v. Stroger,
}
}
}}}
. Alleging lack of standing is an affirmative defense in a civil case, which a d
efendant waives
}
\u8220\'3fif not raised in a timely fashion in the trial court.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Greer v. Illinois Housing Development Authority,
}
}
122 Ill.2d 462, 508, 120 Ill.Dec. 531, 524 N.E.2d 561 (1988)
}}}
. Moreover, \u8220\'3f[t]heories not raised during summary judgment proceedings
are waived on review.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Village of Arlington Heights v. Anderson,
}
}
}}}
. Accordingly, Avdic waived this argument because he did not raise it until his
motion to reconsider the circuit court\rquote s ruling on U.S. Bank\rquote s mot
ion to summary judgment and his motion to strike.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[28]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[29]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[30]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 35 Nevertheless, the
}
record
}
}
}
supports that U.S. Bank has standing. \u8220\'3fA foreclosure complaint is deem
ed sufficient if it contains the statements and requests called for by the form
set forth in section 15\u8211\'3f1504(a) of the Mortgage Foreclosure Law (
}

t
735 ILCS 5/15\u8211\'3f1504(a)
}}}
(West 2008)).\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Standard Bank & Trust Co. v. Madonia,
}
}
}}}
. A foreclosure action may be pursued by \u8220\'3fthe legal holder of the indeb
tedness, a pledgee, an agent, or a trustee,\u8221\'3f and \u8220\'3f[a] plaintif
f can maintain a lawsuit although the beneficial ownership of the note is in ano
ther person.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Mortgage Electronic Registration Systems, Inc. v. Barnes,
}
}
}}}
. A \u8220\'3fmortgagee\u8221\'3f is defined as \u8220\'3f(i) the holder of an i
ndebtedness or obligee of a non-monetary obligation secured by a mortgage or any
person designated or authorized to act on behalf of such holder and (ii) any pe
rson claiming through a mortgagee as successor.\u8221\'3f
}
735 ILCS 5/15\u8211\'3f1208 (West 2010)
}}}
.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 36 U.S. Bank pled that it was the mortgagee and also attached the note
and mortgage. The note provided that the original lender was LaSalle Bank, and
that borrower \u8220\'3funderstand[s] that the Lender may
}
transfer
}
}
}
this Note. The Lender or anyone who takes this Note by
}
transfer
}
}
}
and who is entitled to receive payments under this note is called the \u8216\'3
fNote Holder.\u8217\'3f \u8221\'3f At the end of the note, there was an endorsem
ent to U.S. Bank, signed by officers of both LaSalle Bank and U.S. Bank. The end
orsement reads \u8220\'3fPAY TO THE ORDER OF U.S. Bank NA WITHOUT RECOURSE.\u822
1\'3f The mortgage provided that the lender was LaSalle Bank, and that MERS was
\u8220\'3facting solely as a nominee for Lender and Lender\rquote s successors a
nd assigns.\u8221\'3f The mortgage also provided that the note and the mortgage
could \u8220\'3fbe sold one or more times without prior notice to Borrower. A sa
le might result in a change in the entity (known as the \u8216\'3fLoan Servicer\
u8217\'3f) that collects Periodic Payments due under the Note and this Security
Instruction * * *.\u8221\'3f
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
{\f2 \b1 \fs20 \cf1 \i0
*353
}
}
}
{\f2 \b1 \fs20 \cf1 \i0

**268
}
}
}
[31]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
}
[32]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 37 Based on the complaint and the attached note and mortgage, U.S. Ba
nk complied with section 15\u8211\'3f1504(a) in its complaint and set forth the
required information.
}
{\f2 \b0 \fs20 \cf5 \i1
Madonia,
}
}
}}}
;
}
{\f2 \b0 \fs20 \cf5 \i1
Barnes,
}
}
}}}
. U.S. Bank established that, as the holder of the note, it was also the holder
of the mortgage. \u8220\'3fThe assignment of a mortgage note carries with it an
equitable assignment of the mortgage by which it was secured.\u8221\'3f
}

{\f2 \b0 \fs20 \cf5 \i1
Federal National Mortgage Ass\rquote n v. Kuipers,
}
}
}}}
. As the legal holder of the indebtedness, U.S. Bank was therefore entitled to f
ile the foreclosure action.
}
{\f2 \b0 \fs20 \cf5 \i1
Barnes,
}
}
}}}
;
}
735 ILCS 5/15\u8211\'3f1208
}}}
, 1504(a) (West 2010). Moreover, \u8220\'3f[t]he mere fact that a copy of the no
te is attached to the complaint is itself
}
{\f2 \b0 \fs20 \cf1 \i1
prima facie
}
}
evidence that the plaintiff owns the note.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Parkway Bank & Trust Co. v. Korzen,
}
}
}}}
. US Bank\rquote s complaint was legally and factually sufficient and included a

llegations related to standing.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[33]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 38 We additionally find that Avdic admitted that U.S. Bank had the re
quisite standing to pursue the foreclosure action. In the answer to the complain
t, the Avdics admitted to paragraph 3(N), wherein U.S. Bank alleged that it brou
ght the foreclosure action as a mortgagee pursuant to section 15\u8211\'3f1208 o
f the Foreclosure Law. Contrary to Avdic\rquote s contention on appeal, their an
swer functioned as a judicial admission that U.S. Bank had standing to bring the
foreclosure complaint. See
}
{\f2 \b0 \fs20 \cf5 \i1
Knauerhaze v. Nelson,
}
}
}}}
(\u8220\'3fAs a general rule, a statement of fact that has been admitted in a p
leading is a judicial admission and is binding on the party making it.\u8221\'3f
).
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[34]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}

}
[35]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}
\u182\'3f 39 Avdic also contends on appeal that he was entitled to take the dep
osition of Armstrong. The circuit court that held his notice of deposition was m
oot. However, Avdic did not file a
}
Rule 191(b)
}}}
affidavit to explain why he needed Armstrong\rquote s deposition to oppose the
motion for summary judgment and requesting that the court grant a continuance fo
r the taking of the deposition.
}
{\f2 \b0 \fs20 \cf5 \i1
Parkway Bank & Trust,
}
}
}}}
;
}
Ill. S.Ct. R. 191(b)
}}}
(eff. Jan. 4, 2013). \u8220\'3fParties who fail to file
}
Rule 191(b)
}}}
affidavits cannot complain that the discovery process was insufficient or limit
ed.\u8221\'3f
}
{\f2 \b0 \fs20 \cf5 \i1
Parkway Bank & Trust,
}
}
}}}
(quoting
}
{\f2 \b0 \fs20 \cf5 \i1
Kane v. Motorola, Inc.,
}
}
}}}
). Additionally, our finding that Avdic\rquote s pleadings, as well as his failu
re to file counteraffidavits during the motion practice, failed to give rise to
any material issue of fact justifies the circuit court\rquote s refusal to grant
his request for deposition. In light of this finding, the deposition request ca
n only be viewed at best as a fishing expedition and at worst as a delaying tact
ic. We find no abuse of discretion in the circuit court\rquote s ruling regardin
g the notice of deposition.
}
{\f2 \b0 \fs20 \cf1 \i1
Id.
}
}
\u182\'3f 63.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
[36]
}}}
{\f2 \b0 \fs20 \cf5 \i0
}

\u182\'3f 40 We note that Avdic presented no argument in his opening brief rega
rding the circuit court\rquote s denial of his motion for reconsideration. As su
ch, any contention regarding the circuit court\rquote s decision in that regard
has been waived for appellate review. See
}
Ill. S.Ct. R. 341(h)(7)
}}}
(eff. Feb. 6, 2013) (\u8220\'3fPoints not argued are waived and shall not be ra
ised in the reply brief, in oral argument, or on petition for rehearing.\u8221\'
3f).
\par
}
}
}
\u160\'3f
\par
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
de48a7544111e498db8b09b4f04}
\par
{\li0 \f2 \b1 \ri0 \fs20 \cf1 \qc \i0
{\f2 \b1 \fs20 \cf1 \i0
}
{\f2 \b1 \fs20 \cf1 \i0
*354
}
}
}
{\f2 \b1 \fs20 \cf1 \i0
**269
}
}
\u182\'3f 41 III. CONCLUSION
\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 42 For the reasons stated above, we affirm the circuit court\rquote s
orders granting U.S. Bank\rquote s motion for summary judgment, denying Avdic\rq
uote s motion to strike the affidavit and motion to reconsider, and confirming t
he judicial sale of the property.
\par
}
}
}
\u160\'3f
\par
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
\u182\'3f 43 Affirmed.
\par
}
}
}
\u160\'3f
\par
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
Presiding Justice
}
GORDON
}}}
\sb200
and Justice
}
TAYLOR
}}}
\sb200
concurred in the judgment and opinion.
\par
}
}
}
}
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
{\li0 \f2 \qj \b1 \ri0 \fs20 \cf28 \i0
{\*\bkmkstart co_parallelCitations_1}{\*\bkmkend co_parallelCitations_1}

Parallel Citations
\par
}
}
2014 IL App (1st) 121759, 10 N.E.3d 339
\par
}
}
{\li0 \f2 \qj \b0 \ri0 \fs20 \cf1 \i0
}
}
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\intbl
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Footnotes
\par
}
}
}\f2 \li0 \strike0 \ul0 \b0 \sa0 \ql \sb0 \fs20 \ri0 \cf1 \i0 \intbl \cell \row
}
\clbrdrl \trql \clvertalt \clwWidth600 \cellx600
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\par
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}
{\li0 \ri0
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{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
We note that the notice of appeal was signed by attorney Andjelko Galic on behal
f of only Asim Avdic. The notice of appeal must contain the signature of each ap
pellant or appellant\rquote s attorney.
}
Ill. S.Ct. R. 303(b)

(eff. June 4, 2008). See also
}
{\f2 \b0 \fs18 \cf5 \i1
People v. Krueger,
}
}
. Because Hidajeta Avdic did not sign the notice of appeal and her name was not
listed as one of the defendants who was appealing, we consider this appeal to ha
ve been taken only by Asim Avdic.
\par
}
}
}
}
}\f2 \li0 \strike0 \ul0 \b0 \qj \sa0 \sb0 \fs18 \ri0 \cf1 \i0 \intbl \cell \row
}
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754_1}
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\par
}
}
{\li0 \ri0
{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
The complaint indicated that Bank of America was a successor by merger to LaSall
e Bank, \u8220\'3fby virtue of a Mortgage executed by Asim Avdic, dated 03/14/20
08, * * * to secure a note in the principal sum of $250,000.\u8221\'3f United Su
rvey Service had a $1,300 mechanic\rquote s lien filed against Asim Avdic and th
e real estate on June 15, 2009.
\par
}
}
}
}
}

\intbl
{\li0 \ri0
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754_1}
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3
\par
}
}
{\li0 \ri0
{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
According to U.S. Bank, after the circuit court initially granted its motions fo
r summary judgment and judgment of foreclosure and sale, defense counsel Galic a
ppeared later that afternoon and the court vacated its orders and set a briefing
schedule.
\par
}
}
}
}
}
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\par
}
}
{\li0 \ri0
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{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
In our review of the lower court file, we did not find a request for or notice o
f deposition for Armstrong. Nevertheless, both parties indicate that Avdic submi
tted a notice of Armstrong\rquote s deposition when he filed his motion to strik
e the affidavit.
\par
}
}
}
}
}
\clbrdrb \clbrdrl \trql \clvertalt \clwWidth600 \cellx600
\clbrdrb \clbrdrr \trql \clwWidth9480 \cellx10080
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5
\par
}
}
{\li0 \ri0
{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
{\li0 \f2 \qj \b0 \ri0 \fs18 \cf1 \i0
The circuit court\rquote s order confirming the foreclosure sale, and not the ju
dgment of foreclosure, constitutes the final and appealable order in foreclosure
actions.
}
{\f2 \b0 \fs18 \cf5 \i1
EMC Mortgage Corp. v. Kemp,
}
}
2012 IL 113419 \u182\'3f 11, 367 Ill.Dec. 474, 982 N.E.2d 152
;
}
{\f2 \b0 \fs18 \cf5 \i1
JP Morgan Chase Bank v. Fankhauser,
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}

.
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US Bank Nat Ass'n V Avdic

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US Bank Nat Ass'n V Avdic

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Cases that cite this headnote

Sup.Ct.Rules, Rule 191(a)

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e for purposes of the motion.

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Holders of obligations secured

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ledgee, an agent, or a trustee, and a plaintiff can maintain a lawsuit although

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Cases that cite this headnote

Codilis & Associates, P.C., of Chicago (

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. US Bank\rquote s complaint was legally and factually sufficient and included a

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