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                                      Appellate Court                             Date: 2018.07.19
                                                                                  08:08:22 -05'00'




        Taylor, Bean, & Whitaker Mortgage Corp. v. Cocroft, 2018 IL App (1st) 170969



Appellate Court         TAYLOR, BEAN, & WHITAKER MORTGAGE CORPORATION,
Caption                 Plaintiff-Appellee, v. DAVID COCROFT and VEYNECIA
                        COCROFT, Defendants (David Cocroft, Defendant-Appellant).



District & No.          First District, Fourth Division
                        Docket No. 1-17-0969



Filed                   May 3, 2018



Decision Under          Appeal from the Circuit Court of Cook County, No. 2012-CH-34114;
Review                  the Hon. Anna M. Loftus, Judge, presiding.



Judgment                Affirmed.


Counsel on              David Cocroft, of Country Club Hills, appellant pro se.
Appeal
                        Kimberly A. Jansen, of Hinshaw & Culbertson LLP, of Chicago, for
                        appellee.



Panel                   JUSTICE GORDON delivered the judgment of the court, with
                        opinion.
                        Presiding Justice Burke and Justice Ellis concurred in the judgment
                        and opinion.
                                               OPINION

¶1       The instant appeal arises from a foreclosure action filed against defendant David Cocroft
     and his wife, Veynecia 1 Cocroft, by plaintiff Taylor, Bean, & Whitaker Mortgage
     Corporation. The trial court granted summary judgment in plaintiff’s favor, and the property
     was sold at a judicial sale, at which plaintiff was the highest bidder. Defendant appeals,
     arguing (1) the trial court erred in permitting plaintiff to amend its complaint to substitute
     plaintiff as a party instead of the originally-named plaintiff, (2) the trial court erred in denying
     defendant’s motion to strike the note attached to the amended complaint, (3) the trial court
     erred in granting plaintiff’s motion for summary judgment despite defendant’s allegation that
     he had not received the required grace period notice and his arguments that plaintiff was not
     the holder of the note, and (4) the trial court erred in confirming the sale because justice was
     not done. For the reasons that follow, we affirm the trial court’s judgment.

¶2                                           BACKGROUND
¶3       On September 10, 2012, Colonial Bank filed a complaint to foreclose mortgage against
     defendant and his wife, Veynecia, which alleged that the mortgagee was “M.E.R.S., Inc., as
     Nominee for Taylor, Bean & Whitaker Mortgage Corp.” and further alleged that Colonial
     Bank was the “holder of the Mortgage and Note.” Attached to the complaint was a copy of the
     mortgage, which named Mortgage Electronic Registration Systems, Inc. (MERS), as the
     mortgagee acting solely as nominee for the lender, and named plaintiff as the lender. Also
     attached to the complaint was a copy of the note, which was in the amount of $572,000 and was
     executed by defendant and by one of plaintiff’s representatives.
¶4       Defendant was served with the summons and complaint on September 16, 2012.
¶5       On December 18, 2012, plaintiff filed a motion for leave to file an amended complaint to
     substitute plaintiff for Colonial Bank as the named plaintiff in the foreclosure case.
¶6       On January 14, 2013, defendant filed a pro se appearance and, on the same day, filed an
     “Objection to Plaintiffs’ [sic] Motion for Default and Motion for Substitution of Plaintiff,”2
     arguing, inter alia, that the complaint was defective, that plaintiff lacked standing, that
     defendant had rescinded the mortgage on May 19, 2009, and that the complaint was
     time-barred because there had been a previous foreclosure complaint that had been voluntarily
     dismissed and the instant complaint was filed more than one year from the date of that
     dismissal. The trial court set a briefing schedule on defendant’s motions, which also included a
     motion for sanctions against plaintiff’s attorney and a motion to dismiss that does not appear in
     the record on appeal. On February 19, 2013, plaintiff renoticed its motion for leave to amend
     the complaint, setting the motion for hearing on May 7, 2013, and defendant filed another
     “Objection to Plaintiffs’ [sic] Petition to Amend Complaint” on March 12, 2013. On March 13,
     2013, plaintiff filed a motion for extension of time to respond to defendant’s motions or, in the
     alternative, leave to file an amended complaint, in which it renewed its request for leave to file
     an amended complaint.

         1
          We note that Veynecia Cocroft’s first name is spelled in various ways throughout the record on
     appeal. We use the spelling that appears on the notice of appeal and appellate briefs.
        2
          The record on appeal does not indicate that plaintiff had filed a motion for a default judgment.

                                                   -2-
¶7          On April 19, 2013, defendant filed a pro se motion for partial summary judgment; the
       motion raised the same general issues as his previous filings but did not specify why summary
       judgment would be appropriate.
¶8          On May 1, 2013, plaintiff filed another motion for leave to amend the complaint, claiming
       that Colonial Bank had been named as the original plaintiff “due to scriverners [sic] error.” The
       motion also claimed that plaintiff “also intends to attach the relevant Assignment of
       Mortgage/Deed to its amended pleading to further substantiate its standing to foreclose in this
       action.” The motion further claimed that amending the complaint would “resolve any need” for
       plaintiff to respond to defendant’s motion to dismiss or motion for partial summary judgment.3
       On June 18, 2013, plaintiff filed a motion for extension of time to file its proposed amended
       complaint, which it set for hearing on September 30, 2013. On the same day, it filed a proposed
       amended complaint. Defendant filed a pro se objection to the motion, raising the same
       arguments as in his prior motions and objections.
¶9          Additionally, on July 25, 2013, defendant filed a pro se “Motion to Dismiss Instanter,”
       seeking to dismiss the case in its entirety under section 2-619 of the Code of Civil Procedure
       (Code) (735 ILCS 5/2-619 (West 2012)). Defendant claimed that the claim was barred by
       res judicata, that the claim was time-barred, and fraudulent misrepresentation based on his
       claim that plaintiff was not the legal holder of the mortgage and note.
¶ 10        On August 2, 2013, defendant filed another pro se motion for sanctions.
¶ 11        On September 30, 2013, the parties appeared before the trial court on plaintiff’s motion to
       amend the complaint, and the trial court granted plaintiff leave to file a supplemental
       memorandum on the issue, which it did on November 7, 2013; in connection with that
       supplemental memorandum, plaintiff also filed a “Motion to Substitute as Plaintiff Real Party
       in Interest,” which it requested be granted if its motion to amend the complaint was denied.
¶ 12        On December 3, 2013, defendant filed a pro se “Motion to Request a Ruling on Defendants
       [sic] Motion to Dismiss Instanter.”
¶ 13        On April 10, 2014, the trial court entered an order concerning (1) “Plaintiff’s Motion to
       Amend Complaint to Foreclose Mortgage,” (2) “Plaintiff’s Motion to Substitute as Plaintiff
       Real Party in Interest,” (3) “Defendants [sic] Motion for Sanctions Instanter,” (4) “Defendants’
       Motion in Objection to Plaintiff’s Motion for Default and Motion for Substitution of Plaintiff,”
       (5) “Defendants [sic] Motion to Dismiss Instanter,” and (6) defendant’s “Motion to Request a
       Decision on Defendants [sic] Motion to Dismiss Instanter.” The court granted plaintiff’s
       motion to amend the complaint, denied defendant’s motion for sanctions, and struck all
       remaining motions as moot due to the court’s ruling on the motion to amend.
¶ 14        On April 30, 2014, defendant filed a pro se motion for reconsideration, arguing that
       plaintiff lacked standing.
¶ 15        On May 22, 2014, plaintiff filed an amended complaint for foreclosure and for breach of
       the note, alleging that it filed the case as assignee of MERS, who was the mortgagee solely as
       nominee for plaintiff. The complaint alleged that defendant was in default for failure to make
       the payments owed under the note from June 1, 2008, to the present, as well as for transferring
       title to the property to the David Cocroft Living Trust without plaintiff’s prior written consent.

          3
            The amendment would also add another defendant—a subordinate lienholder—which is not at
       issue on appeal.

                                                   -3-
       The complaint alleged that, as of May 15, 2014, there was due and owing $922,589.14, plus
       attorney fees and costs. The complaint alleged that the capacity in which plaintiff filed suit was
       “[a]s legal holder of the indebtedness and holder of the Mortgage which was pledged as
       security therefore.” As relevant to the instant appeal, the complaint further alleged that a grace
       period notice was sent to defendant on February 24, 2012.
¶ 16        Attached to the amended complaint was an assignment of mortgage for the mortgage
       recorded as document No. 0726911063, which provided that MERS, as nominee for plaintiff,
       assigned to plaintiff “all interests in and under that certain Mortgage dated 6/26/2007 and
       executed by” defendant and MERS, as nominee for plaintiff, “together with note or notes
       therein described or referred to, the money due and to become due thereon, with interest, and
       all rights accrued or to accrue under said Mortgage.” The assignment was dated November 14,
       2008, and was executed by Erla Carter-Shaw on behalf of MERS.
¶ 17        Also attached to the complaint was a copy of a mortgage dated June 26, 2007, and recorded
       as document No. 0726911063, which named defendant as the borrower and listed MERS as the
       mortgagee acting solely as nominee for plaintiff, which was named as the lender. Additionally,
       a copy of the June 26, 2007, note provided that defendant promised to pay plaintiff $572,000.
       The note was executed by defendant and also contained three endorsements. One provided:
       “Without recourse, pay to the order of IndyMac Bank, F.S.B. By: Taylor, Bean & Whitaker
       Mortgage Corp.” and was signed by Erla Carter-Shaw. Another provided: “Pay To the Order
       Of Taylor, Bean & Whitaker Mortgage Corp. Without Recourse IndyMac Bank, F.S.B.” and
       was signed by Brian 4 Brouillard. A third was a blank endorsement providing: “Without
       recourse, pay to the order of [space] By: Taylor, Bean & Whitaker Mortgage Corp.” and was
       signed by Erla Carter-Shaw.
¶ 18        Also attached to the complaint was a document dated February 24, 2012, and addressed to
       defendant from RoundPoint Mortgage Servicing Corporation (RoundPoint). The document
       was entitled “Grace Period Notice” and provided, in all caps:
                    “Your loan is more than 30 days past due. You may be experiencing financial
                difficulty. It may be in your best interest to seek approved housing counseling. You
                have a grace period of 30 days from the date of this notice to obtain approved housing
                counseling. During the grace period, the law prohibits us from taking any legal action
                against you. You may be entitled to an additional 30 day grace period if you obtain
                housing counseling from an approved housing counseling agency. A list of approved
                counseling agencies may be obtained from the Illinois Department of Financial and
                Professional Regulation.”
       The document was accompanied by a copy of an envelope addressed to defendant, with
       first-class postage paid.
¶ 19        On October 1, 2014, defendant’s motion for reconsideration was denied, and on October
       27, 2014, defendant filed a pro se motion to dismiss the complaint pursuant to section 2-619 of
       the Code, again alleging a lack of standing. Attached to defendant’s motion to dismiss was a
       copy of a second assignment, dated February 13, 2011, in which MERS as nominee for
       plaintiff assigned the same mortgage loan to plaintiff; the assignment was signed by Melissa
       Long on behalf of MERS.

           4
            This first name is difficult to read on the copy contained in the record on appeal but appears to be
       “Brian.”

                                                       -4-
¶ 20       Also on October 27, 2014, defendant filed a pro se “Objection and Motion to Strike the
       Note Attached to Amended Complaint for Mortgage Foreclosure and Other Relief,” in which
       defendant claimed that the note attached to the amended complaint was “fraudulent” because it
       was different from the note attached to the original complaint—the note attached to the
       original complaint bore one blank endorsement, while the note attached to the amended
       complaint bore three endorsements.
¶ 21       On November 18, 2014, the trial court denied defendant’s motions, and on December 18,
       2014, defendant filed a pro se verified answer, affirmative defenses, and counterclaim.
       Defendant raised 10 affirmative defenses: (1) res judicata; (2) failure to comply with Illinois
       Supreme Court Rule 113(b) (eff. May 1, 2013), which required a copy of the note to be
       attached to the complaint; (3) failure to comply with a condition precedent to the foreclosure
       proceedings, namely, failure to provide a notice of default and acceleration of the loan; (4) lack
       of standing at the time the case was commenced; (5) failure to refile the complaint within one
       year after the voluntary dismissal of the prior foreclosure case, making the complaint
       time-barred; (6) “Lack of Standing to Maintain Case,” based on the allegation that plaintiff was
       not the holder of the note; (7) lack of authority to bring or maintain the foreclosure action; (8)
       lack of subject-matter jurisdiction, based on the allegations concerning the claims being
       time-barred or barred by res judicata; (9) forgery, based on allegations that the signature of
       Erla Carter-Shaw did not appear to be the same in all documents signed by her; and (10)
       satisfaction of the loan. Defendant also alleged four counterclaims: (1) violation of the
       Consumer Fraud and Deceptive Business Practices Act (815 ILCS 505/1 et seq. (West 2012))
       for failure to make the proper disclosures to defendant at the time of the loan, including Truth
       in Lending disclosures; (2) using a false appraisal in determining the property’s value,
       misleading defendant about the value of the property; (3) breach of the note and mortgage, for
       failure to provide defendant a notice of default and acceleration; and (4) slander of title.
¶ 22       On December 30, 2014, defendant filed a pro se motion for leave to file an amended
       answer, affirmative defenses, and counterclaim, and on January 8, 2015, the trial court entered
       an order, inter alia, (1) granting defendant’s motion in part and allowing him to file an
       amended answer and affirmative defenses and (2) striking defendant’s counterclaims for filing
       them without leave of court. The order also provided that “the court finds that plaintiff has
       presented the original note in open court over defendants’ oral objection that the note is
       forged.”
¶ 23       On January 13, 2015, defendant filed a pro se amended verified answer and affirmative
       defenses in which he raised 13 affirmative defenses. Nine of the affirmative defenses were the
       same as in his original answer and affirmative defenses, with only the affirmative defense of
       “lack of authority to bring or maintain the foreclosure action” omitted. Additionally, defendant
       raised four additional affirmative defenses: two based on fraud, one for rescission based on
       plaintiff’s failure to make accurate Truth in Lending disclosures, and one based on release of
       the loan.
¶ 24       On February 6, 2015, defendant filed another pro se motion for leave to file an amended
       answer and affirmative defenses, requesting to correct certain errors and to add a counterclaim.
¶ 25       On April 17, 2015, plaintiff filed a motion for summary judgment, arguing that plaintiff
       had standing to bring the action as a matter of law, that the facts surrounding defendant’s
       default were uncontested, and that each of defendant’s affirmative defenses failed to raise any
       issue of material fact or failed as a matter of law.

                                                   -5-
¶ 26       With respect to the affirmative defenses of res judicata, time-barred claims, and lack of
       subject-matter jurisdiction, all of which were based on the prior voluntary dismissal of a
       previous foreclosure case, plaintiff argued that the prior dismissal was without prejudice and
       did not constitute an adjudication on the merits. Plaintiff further argued that the statute of
       limitations on a mortgage foreclosure was 10 years and that its refiled complaint was filed well
       within the 10-year period. With respect to the affirmative defense concerning Illinois Supreme
       Court Rule 113 (eff. May 1, 2013), plaintiff pointed out that the rule became effective in 2013
       and that the initial complaint was filed in 2012; plaintiff further argued that, by attaching a
       copy of the note to the amended complaint, it complied with the rule’s requirements. With
       respect to the affirmative defenses concerning lack of a notice of default, plaintiff argued that
       defendant received such a notice and the fact that the servicer used a different tracking number
       did not invalidate the notice. With respect to the affirmative defenses concerning standing,
       plaintiff argued that it was the holder of the original note, which it presented in open court, and
       that it had demonstrated its standing. With respect to the affirmative defense concerning
       forgery, plaintiff argued that such an allegation was entirely unsupported. With respect to the
       affirmative defense that the loan had been paid off, plaintiff argued that defendant presented
       only unverified documents and had provided no evidence that he had actually paid any money
       to pay off the loan at any time. With respect to the affirmative defenses concerning rescission
       and release of the mortgage, which were based on defendant’s allegations concerning Truth in
       Lending disclosures, plaintiff argued that it did not violate Truth in Lending requirements and
       that defendant’s purported exercise of any rescission rights was fraudulent. Finally, with
       respect to the affirmative defense concerning fraud, plaintiff argued that the servicer merely
       referenced the loan under a different identification number and did not change the loan.
¶ 27       Attached to the motion for summary judgment was the affidavit of Dawn Kernicky, a vice
       president of default servicing for RoundPoint, which acted as plaintiff’s servicer with respect
       to the loan at issue. Kernicky averred that a true and correct copy of the note was attached to
       the amended complaint, and that on August 7, 2007, the note was indorsed and shipped to
       IndyMac Bank, F.S.B. (IndyMac), as part of a potential loan sale that did not close; on
       September 6, 2007, the note was indorsed and returned to plaintiff by IndyMac. Kernicky
       further averred that the mortgage was assigned to plaintiff by MERS on November 14, 2008,
       pursuant to an assignment, which was attached to the amended complaint; the assignment was
       prepared and recorded as part of plaintiff’s then-pending foreclosure proceeding against
       defendant, which was filed on October 30, 2008, and was later voluntarily dismissed on
       October 15, 2009. Kernicky averred that a second assignment was prepared and recorded on
       March 15, 2011, in connection with plaintiff’s contemporaneous recording of an assignment of
       mortgage related to a second mortgage with defendant that was not the subject of the instant
       action.
¶ 28       Kernicky averred that on information and belief, prior to August 2009, plaintiff and
       Colonial Bank “had an ongoing banking relationship where by Colonial Bank served as
       [plaintiff’s] primary lender, providing a number of funding facilities to [plaintiff] for its
       origination and servicing of mortgage loans. For these loans, the original collateral files were
       held by Colonial Bank as collateral for repayment of [plaintiff’s] obligations to Colonial
       Bank.” Kernicky further averred that, based on her personal knowledge and review of public
       records, on August 14, 2009, Colonial Bank was closed and placed into receivership by the
       Federal Deposit Insurance Corporation (FDIC), and the FDIC was appointed as receiver for


                                                    -6-
       Colonial Bank’s assets. The FDIC caused the servicing of all of plaintiff’s loans that were held
       by Colonial Bank to be transferred from plaintiff to RoundPoint. On August 24, 2009, plaintiff
       filed a Chapter 11 petition in bankruptcy court in Florida. Following the bankruptcy filing, “a
       dispute arose between the FDIC on the one hand and [plaintiff’s] bankruptcy estate on the
       other hand as to the ownership of the loans being serviced by RoundPoint.” This dispute was
       ultimately resolved via a settlement agreement dated August 11, 2010, by which the parties
       confirmed that certain loans, including the loan at issue in the instant case, were owned by
       plaintiff and not Colonial Bank. The settlement agreement was approved by the bankruptcy
       court on September 2, 2010. On October 8, 2010, RoundPoint informed defendant of the
       settlement pursuant to a “Notice of Transfer of Ownership of Mortgage Loan,” which was
       attached to the affidavit. Kernicky averred that, “[c]onsistent with the terms of the Settlement
       Agreement, the Notice of Transfer provided to [defendant], and orders entered in the
       Bankruptcy Case, [plaintiff] owns the Loan, and RoundPoint services the Loan on [plaintiff’s]
       behalf.”
¶ 29        Kernicky averred that plaintiff was the current owner of the note, mortgage, and rider at
       issue in the foreclosure action and that, based on her review of the loan records, “[plaintiff] has
       never released its Mortgage, received full satisfaction for the amounts due under the Note or
       authorized any transfer of the Property by the Borrower.” Kernicky further averred that
       defendant was in default under the note for failure to make the required payments from June 1,
       2008, to the present and was also in default under the mortgage for transferring title to the
       property to the David Cocroft Living Trust without prior written consent from plaintiff;
       Kernicky averred that on February 24, 2012, RoundPoint sent defendant a notice of default and
       intent to accelerate, which was attached to the amended complaint. Kernicky also averred that
       “[o]n or about February 24, 2012, RoundPoint also sent [defendant and his wife] a Grace
       Period Notice,” a true and correct copy of which was attached to the amended complaint.
       Finally, Kernicky averred that “RoundPoint tracks [defendant’s] Loan under Identification No.
       ending in 3652, while [plaintiff] tracked [defendant’s] Loan under Loan No. ending in 6401.
       Both RoundPoint and [plaintiff’s] transaction histories pertain to the Loan and Loan
       Documents.”
¶ 30        Also attached to the motion was a “loss mitigation affidavit” of Paul Hooton, an assistant
       vice president of loss mitigation with RoundPoint, which set forth loss mitigation efforts
       undertaken by RoundPoint. In relevant part, Hooton averred that “[a] Grace Period Notice and
       a Notice of Default and Intent to Accelerate (‘Default Notice’) was also sent to the Borrower
       on or about February 24, 2012,” and copies of the notice and envelope were attached to the
       affidavit.
¶ 31        On August 3, 2015, the trial court entered an order entering and continuing plaintiff’s
       motion for summary judgment to October 26, 2015; the same order provided that defendant’s
       motion to amend his amended verified answer and affirmative defenses was withdrawn.
¶ 32        On August 10, 2015, counsel entered an appearance on behalf of defendant and his wife,
       and on August 26, 2015, counsel filed a motion for extension of time to file a motion for leave
       to file a third amended answer, affirmative defenses, and counterclaims. On October 13, 2015,
       the trial court entered an order granting the motion for extension of time and, on October 30,
       2015, the trial court entered an order granting the motion for leave to file “as to the third
       amended answer, third amended affirmative defense no. 2 & counterclaim no. 2. All other
       claims & defenses are stricken.”

                                                    -7-
¶ 33        On November 6, 2015, defendant and his wife filed a “Third Amended Answer, Third
       Amended Affirmative Defense II and Counterclaim II.” “Affirmative Defense II” was for
       rescission and alleged that defendant rescinded the loan. Count II of the counterclaim was for
       violation of the Truth in Lending Act (15 U.S.C. § 1601 et seq. (2006)) and failure to honor
       defendant’s rescission notice.
¶ 34        On December 11, 2015, plaintiff filed a motion to dismiss the third amended affirmative
       defenses and counterclaim pursuant to section 2-619.1 of the Code (735 ILCS 5/2-619.1 (West
       2014)), arguing that defendant’s Truth in Lending Act claims must be dismissed because
       rescission under the statute did not apply to a purchase of a single family home occupied as a
       principal residence and, even if it did, such a claim was time-barred. Additionally, plaintiff
       argued that defendant failed to sufficiently allege a claim for rescission because his supporting
       evidence was unauthenticated and the same arguments had previously been rejected in other
       foreclosure proceedings.
¶ 35        On February 17, 2016, in its response to plaintiff’s motion to dismiss the third amended
       affirmative defense and counterclaim, defendant conceded that “it appears the loan in question
       is a purchase money mortgage loan for the initial acquisition of real estate, in which the right of
       rescission does not apply under the Truth in Lending Act. Therefore, [defendant and his wife]
       seek to withdraw their third amended defense II and third amended counterclaim II.”
¶ 36        On April 4, 2016, plaintiff filed a supplemental affidavit of Kernicky in support of its
       motion for summary judgment, in which she averred that since the filing of her initial affidavit,
       plaintiff had incurred additional costs in connection with the loan and that through March 9,
       2016, the total amount due to plaintiff totaled $1,008,549.69.
¶ 37        On April 13, 2016, the trial court entered an order granting plaintiff’s motion to dismiss
       and dismissing defendant’s third amended affirmative defense and counterclaim.
¶ 38        On May 4, 2016, defendant filed a response to plaintiff’s motion for summary judgment,
       arguing that the motion should be denied “because Plaintiff 1) request[s] unsubstantiated and
       unreasonable fees; and 2) failed to abide by required condition precedents. In addition, the
       Motion should be denied due to Plaintiff’s lack of standing.” With respect to conditions
       precedent, defendant argued that no notice of acceleration was provided, nor was a grace
       period notice or notice of counseling.
¶ 39        On June 2, 2016, the trial court granted summary judgment in plaintiff’s favor and denied
       defendant’s request that it reconsider its prior orders. The court entered a judgment of
       foreclosure and sale on the same day in the amount of $1,152,183.85. The property was sold at
       a sheriff’s sale on December 21, 2016, and plaintiff was the successful bidder at $290,000. On
       January 11, 2017, plaintiff filed a motion for confirmation of the sale, and on March 2, 2017,
       the trial court entered an order confirming the sale and entering an in personam deficiency
       judgment in the amount of $907,396.09 against defendant.
¶ 40        On April 3, 2017, defendant filed a pro se notice of appeal, appealing the following orders:
       October 1, 2014; January 8, 2015; June 23, 2015;5 April 13, 2016; June 2, 2016; and March 2,
       2017.




          5
           The record does not reflect a court order entered on June 23, 2015.

                                                     -8-
¶ 41                                            ANALYSIS
¶ 42       On this pro se appeal, defendant raises a number of arguments, arguing (1) the trial court
       erred in permitting plaintiff to amend its complaint to substitute plaintiff as a party instead of
       the originally-named plaintiff, (2) the trial court erred in denying defendant’s motion to strike
       the note attached to the amended complaint, (3) the trial court erred in granting plaintiff’s
       motion for summary judgment despite defendant’s allegation that he had not received the
       required grace period notice and his arguments that plaintiff was not the holder of the note, and
       (4) the trial court erred in confirming the sale because justice was not done.

¶ 43                                    I. Amendment of Complaint
¶ 44       We first consider defendant’s argument that the trial court should not have permitted
       amendment of the complaint to replace plaintiff as the named plaintiff in the case instead of
       Colonial Bank. As an initial matter, we note that defendant attempts to draw a distinction
       between a misnomer and a mistaken identity and argues that the instant case was one of
       mistaken identity. While this distinction may be relevant in certain cases, namely, where the
       statute of limitations comes into play, it is not relevant in the instant case, as both the original
       and amended complaint were filed well within the statute of limitations period. See Fassero v.
       Turigliatto, 349 Ill. App. 3d 368, 370 (2004) (the relation-back doctrine applies where there is
       a misnomer but only applies in cases of mistaken identity under certain circumstances).
       Accordingly, the label placed on the error is irrelevant to our analysis of whether the trial court
       properly granted leave to file an amended complaint naming plaintiff as the party plaintiff.
¶ 45       Amendments to pleadings are governed by section 2-616 of the Code, which provides, in
       relevant part:
               “At any time before final judgment amendments may be allowed on just and reasonable
               terms, introducing any party who ought to have been joined as plaintiff or defendant,
               dismissing any party, changing the cause of action or defense or adding new causes of
               action or defenses, and in any matter, either or form or substance, in any process,
               pleading, bill of particulars or proceedings, which may enable the plaintiff to sustain
               the claim for which it was intended to be brought or the defendant to make a defense or
               assert a cross claim.” 735 ILCS 5/2-616(a) (West 2012).
¶ 46       The trial court has broad discretion in deciding a motion to amend pleadings prior to the
       entry of final judgment. Loyola Academy v. S&S Roof Maintenance, Inc., 146 Ill. 2d 263, 273
       (1992). Accordingly, we will not reverse such a decision absent an abuse of that discretion.
       McDonald v. Lipov, 2014 IL App (2d) 130401, ¶ 47. In order to determine whether the trial
       court abused its discretion, we apply the four factors set forth by our supreme court in Loyola
       Academy: “(1) whether the proposed amendment would cure the defective pleading; (2)
       whether other parties would sustain prejudice or surprise by virtue of the proposed
       amendment; (3) whether the proposed amendment is timely; and (4) whether previous
       opportunities to amend the pleadings could be identified.”6 Loyola Academy, 146 Ill. 2d at

           6
            We note that defendant claims that the trial court did not apply any of these factors prior to
       permitting amendment of the complaint. However, there is nothing in the record to support such an
       assertion and defendant did not include a report of proceedings or bystander’s report of the hearing on
       the motion. In the absence of a showing of error, we will presume that the trial court’s actions were in
       conformity with the law and had a sufficient factual basis. See Foutch v. O’Bryant, 99 Ill. 2d 389,

                                                      -9-
       273. “However, the primary consideration is whether amendment would further the ends of
       justice.” Regas v. Associated Radiologists, Ltd., 230 Ill. App. 3d 959, 968 (1992); see also
       Cantrell v. Wendling, 249 Ill. App. 3d 1093, 1095 (1993) (“The most important question is
       whether amendment will be in furtherance of justice, and amendment of defective pleadings
       should be permitted unless it is clear that the defect cannot be cured thereby. Any doubts
       should be resolved in favor of allowing amendments.”).
¶ 47       In the case at bar, we cannot find that the trial court abused its discretion in permitting
       amendment of the complaint. With respect to the first factor, the proposed amendment would
       cure any defects in the original complaint by substituting the correct plaintiff and, as explained
       below, defendant’s arguments as to any remaining defects are meritless. With respect to the
       second factor, we cannot find any prejudice or surprise to defendant, as the first motion for
       leave to amend was filed on December 18, 2012, prior to defendant’s appearance on January
       14, 2013, and at the time of his appearance, defendant immediately filed an objection to the
       motion for leave to amend the complaint. With respect to the third factor, the proposed
       amendment was timely—as noted, the motion for leave to amend the complaint was filed at the
       beginning stages of the case, prior to even the entry of defendant’s appearance. Finally, with
       respect to the fourth factor, there were no prior opportunities to amend, given the early stage of
       the proceedings. We note that defendant argues that he was prejudiced by the amendment,
       “because he had already filed motions arguing Colonial did not have standing” and because the
       amendment would alter the nature of the proof required to defend. However, as noted, the
       record shows that the first motion to amend the complaint was filed prior to defendant even
       appearing in the case. While plaintiff subsequently filed another motion for leave to amend the
       complaint at a later time, on May 1, 2013, even that motion was filed during the pleading
       stages. See Loyola Academy, 146 Ill. 2d at 275 (in finding no prejudice or surprise, noting that
       “[m]ore importantly, plaintiff gave notice of its intention while this cause was still in the
       pleading stage. This cause was not near any established trial date”). We thus cannot find that
       granting leave to amend the complaint was an abuse of discretion.
¶ 48       Defendant also argues that leave to file the amended complaint should have been denied
       based on res judicata, lack of standing, and rescission. In seeking to amend a complaint, “[t]he
       plaintiff must meet all four Loyola Academy factors [citation], and if the proposed amendment
       does not state a cognizable claim, and thus, fails the first factor, courts of review will often not
       proceed with further analysis.” Hayes Mechanical, Inc. v. First Industrial, L.P., 351 Ill. App.
       3d 1, 7 (2004). “It is not necessary for the parties to go through the process of filing an
       amended pleading and then testing its sufficiency by a motion to dismiss—when ruling on a
       motion to amend, the court may consider the ultimate efficacy of a claim as stated in a
       proposed amended pleading.” Hayes Mechanical, 351 Ill. App. 3d at 7. In the case at bar,
       however, none of defendant’s arguments provide any basis for denying leave to amend.
¶ 49       First, defendant claims that the foreclosure complaint was barred by res judicata. “ ‘The
       doctrine of res judicata provides that a final judgment on the merits rendered by a court of
       competent jurisdiction bars any subsequent actions between the same parties or their privies on


       391-92 (1984) (an appellant has the burden of presenting a sufficiently complete record of the
       proceedings at trial to support a claim of error and in the absence of such a record on appeal, it will be
       presumed that the order entered by the trial court was in conformity with the law and had a sufficient
       factual basis).

                                                      - 10 -
       the same cause of action.’ ” Hudson v. City of Chicago, 228 Ill. 2d 462, 467 (2008) (quoting
       Rein v. David A. Noyes & Co., 172 Ill. 2d 325, 334 (1996)). Res judicata bars relitigation of
       matters that were actually decided in the first lawsuit, as well as matters that could have been
       decided in that suit. River Park, Inc. v. City of Highland Park, 184 Ill. 2d 290, 302 (1998).
       Three requirements must be satisfied for res judicata to apply: (1) a final judgment on the
       merits has been reached by a court of competent jurisdiction, (2) an identity of cause of action
       exists, and (3) the parties or their privies are identical in both actions. Hudson, 228 Ill. 2d at
       467 (citing Downing v. Chicago Transit Authority, 162 Ill. 2d 70, 73-74 (1994)).
¶ 50        In the case at bar, defendant cannot establish the first requirement, namely, the presence of
       a final judgment on the merits. “The requirement of a final order or judgment is a ‘critical’
       component in showing the applicability of res judicata.” Richter v. Prairie Farms Dairy, Inc.,
       2016 IL 119518, ¶ 22 (quoting Hernandez v. Pritikin, 2012 IL 113054, ¶ 41). “A judgment
       cannot bar a subsequent action unless it is a ‘final’ judgment.” Richter, 2016 IL 119518, ¶ 22.
       Our supreme court has held that “[t]o be ‘final,’ a judgment or order must terminate the
       litigation and fix absolutely the parties’ rights, leaving only enforcement of the judgment.”
       Richter, 2016 IL 119518, ¶ 24.
¶ 51        Here, defendant’s claim of res judicata is based on a prior foreclosure complaint filed by
       plaintiff against defendant that was based on the same loan, which was voluntarily dismissed
       without prejudice on October 15, 2009. However, “a dismissal ‘without prejudice’ signals that
       there was no final decision on the merits and that the plaintiff is not barred from refiling the
       action.” Richter, 2016 IL 119518, ¶ 24. Thus, in the instant case, as there was no final decision
       on the merits, there can be no res judicata bar to plaintiff’s foreclosure complaint.
¶ 52        The cases cited by defendant do not lead to a different result as they concern situations in
       which claim-splitting is an issue. Our supreme court has cautioned that the statutes giving a
       plaintiff the right to voluntarily dismiss a complaint and refile it “[do] not automatically
       immunize plaintiffs against res judicata or any other legitimate defenses that a defendant
       might assert.” Hudson, 228 Ill. 2d at 473 (citing Rein, 172 Ill. 2d at 342-43). Thus, “a plaintiff
       who splits his claims by voluntarily dismissing and refiling part of an action after a final
       judgment has been entered on another part of the case subjects himself to a res judicata
       defense.” Hudson, 228 Ill. 2d at 473. That is not the issue in the case at bar, however, as the
       entirety of plaintiff’s earlier complaint was voluntarily dismissed and no part of it resulted in a
       final judgment. See Richter, 2016 IL 119518, ¶ 40 (distinguishing Rein and Hudson in a case
       where the trial court never entered a final order because “[w]ithout a final adjudication on the
       merits, the claim-splitting issues addressed in Rein and Hudson are not presented here, and
       res judicata is not applicable”).
¶ 53        We are also unpersuaded by defendant’s argument that the voluntary dismissal order
       became a final judgment on the merits because plaintiff did not refile the complaint within one
       year of the October 15, 2009, dismissal. “If a plaintiff voluntarily dismisses his or her case
       pursuant to section 2-1009 of the Code (735 ILCS 5/2-1009 (West 2010)) ***, section 13-217
       of the Code permits a plaintiff to refile the action within one year or within the remainder of the
       statute of limitations, whichever is greater.” BankFinancial, FSB v. Tandon, 2013 IL App (1st)
       113152, ¶ 22 (citing 735 ILCS 5/13-217 (West 2010)). The statute of limitations for a
       mortgage foreclosure case is 10 years (735 ILCS 5/13-206 (West 2012)), and the date of
       default alleged in the complaint was June 1, 2008. Therefore, plaintiff had until June 1, 2018,
       to refile its complaint, which it did on September 10, 2012, well within the remaining

                                                   - 11 -
       limitations period. Accordingly, res judicata does not provide a basis for denying the
       amendment of the complaint.
¶ 54       Second, defendant claims that he rescinded the loan due to plaintiff’s failure to comply
       with the Truth in Lending Act (Act). However, the Act’s right of rescission expressly does not
       apply to “a residential mortgage transaction” (15 U.S.C. § 1635(e)(1) (2012)), which is defined
       as “a transaction in which a mortgage, deed of trust, purchase money security interest arising
       under an installment sales contract, or equivalent consensual security interest is created or
       retained against the consumer’s dwelling to finance the acquisition or initial construction of
       such dwelling” (15 U.S.C. § 1602(x) (2012)). There is no dispute that defendant’s mortgage
       loan was made to finance the acquisition of his dwelling. Accordingly, under the Act’s express
       language, the right of rescission does not apply. Defendant acknowledges this but claims that
       “a recent appellate decision supported Defendants argument that Plaintiff violated the Truth in
       Lending Act *** by failing to respond to his valid rescission of the alleged subject loan that
       were [sic] mailed on May 19, 2009.” However, defendant does not identify this purported case
       or cite to it. Accordingly, we find his argument unpersuasive and cannot find that his rescission
       claim was a valid basis for denying amendment of the complaint.
¶ 55       Finally, defendant argues that the trial court should not have permitted amendment of the
       complaint because plaintiff lacked standing. However, defendant’s arguments in his brief
       concerning this issue relate only to the standing of Colonial Bank, the previous plaintiff, and
       not plaintiff, the named party after amendment of the complaint. Since amendment was based
       on removing Colonial Bank as plaintiff and substituting plaintiff, any arguments as to Colonial
       Bank’s lack of standing are irrelevant to the propriety of the amended complaint and do not
       serve as a basis for denying amendment. Accordingly, we cannot find that the trial court
       abused its discretion in permitting amendment of the complaint.

¶ 56                                     II. Motion to Strike Note
¶ 57       Defendant next argues that the trial court erred in denying his motion to strike the note that
       was attached to the amended complaint. Defendant claims that because the note attached to the
       original complaint bore one blank endorsement, while the note attached to the amended
       complaint bore three endorsements, the additional endorsements “were a forgery.” However,
       defendant provides no support for this argument, other than his claim that IndyMac was closed
       on July 11, 2008, and sold on March 18, 2009. Defendant claims that plaintiff “gave no
       explanation for the endorsements when the trial court granted the motion to amend the
       complaint and denied Defendant’s Motion to Strike.” Again, however, there is no report of
       proceedings or bystander’s report from this hearing, so we are unable to determine what
       occurred at that hearing. “Without an adequate report of the proceedings showing the basis for
       the trial court’s ruling on the motion to strike, we must presume that its decision was
       appropriate.” Ritacca Laser Center v. Brydges, 2018 IL App (2d) 160989, ¶ 24 (citing Foutch,
       99 Ill. 2d at 391-92). We additionally note that, at a later date, the trial court found that
       “plaintiff has presented the original note in open court over defendants’ oral objection that the
       note is forged” and that, in connection with its motion for summary judgment, plaintiff
       explained that the endorsements were the result of a 2007 potential loan sale that did not close.
       Accordingly, there is no support for defendant’s contention that the endorsements on the note
       were forgeries, and the trial court did not err in denying his motion to strike the note.


                                                   - 12 -
¶ 58                                 III. Motion for Summary Judgment
¶ 59       Next, defendant claims that the trial court erred in granting summary judgment because
       there were genuine issues of fact as to whether defendant was sent a grace period notice and
       whether plaintiff was the holder of the note.7 A trial court is permitted to grant summary
       judgment only “if the pleadings, depositions, and admissions on file, together with the
       affidavits, if any, show that there is no genuine issue as to any material fact and that the moving
       party is entitled to a judgment as a matter of law.” 735 ILCS 5/2-1005(c) (West 2014). The trial
       court must view these documents and exhibits in the light most favorable to the nonmoving
       party. Home Insurance Co. v. Cincinnati Insurance Co., 213 Ill. 2d 307, 315 (2004). We
       review a trial court’s decision to grant a motion for summary judgment de novo. Outboard
       Marine Corp. v. Liberty Mutual Insurance Co., 154 Ill. 2d 90, 102 (1992). De novo
       consideration means we perform the same analysis that a trial judge would perform. Khan v.
       BDO Seidman, LLP, 408 Ill. App. 3d 564, 578 (2011).
¶ 60       “Summary judgment is a drastic measure and should only be granted if the movant’s right
       to judgment is clear and free from doubt.” Outboard Marine Corp., 154 Ill. 2d at 102.
       However, “[m]ere speculation, conjecture, or guess is insufficient to withstand summary
       judgment.” Sorce v. Naperville Jeep Eagle, Inc., 309 Ill. App. 3d 313, 328 (1999). The party
       moving for summary judgment bears the initial burden of proof. Nedzvekas v. Fung, 374 Ill.
       App. 3d 618, 624 (2007). The movant may meet his burden of proof either by affirmatively
       showing that some element of the case must be resolved in his favor or by establishing “ ‘that
       there is an absence of evidence to support the nonmoving party’s case.’ ” Nedzvekas, 374 Ill.
       App. 3d at 624 (quoting Celotex Corp. v. Catrett, 477 U.S. 317, 325 (1986)). “ ‘The purpose of
       summary judgment is not to try an issue of fact but *** to determine whether a triable issue of
       fact exists.’ ” Schrager v. North Community Bank, 328 Ill. App. 3d 696, 708 (2002) (quoting
       Luu v. Kim, 323 Ill. App. 3d 946, 952 (2001)). We may affirm on any basis appearing in the
       record, whether or not the trial court relied on that basis or its reasoning was correct. Ray
       Dancer, Inc. v. DMC Corp., 230 Ill. App. 3d 40, 50 (1992).
¶ 61       In the case at bar, we cannot find that defendant has identified questions of fact concerning
       either the grace period notice or plaintiff’s status as the holder of the note. With respect to the
       grace period notice, defendant argues that there is no evidence that plaintiff sent the grace
       period notice required by section 15-1502.5 of the Illinois Mortgage Foreclosure Law
       (Foreclosure Law) (735 ILCS 5/15-1502.5 (West 2014)). Section 15-1502.5 of the Foreclosure
       Law became effective on April 6, 2009, and required, in relevant part, for a grace period notice
       to be sent before any foreclosure action could be instituted. Bank of America, N.A. v. Adeyiga,
       2014 IL App (1st) 131252, ¶¶ 87-88; see also 735 ILCS 5/15-1502.5(c) (West 2014) (“No
       foreclosure action *** shall be instituted on a mortgage secured by residential real estate
       before mailing the notice described in thus subsection (c).”). However, section 15-1502.5 was
       repealed by its own terms on July 1, 2016. 735 ILCS 5/15-1502.5(k) (West 2014). At least one
       court has held that this express repeal provides a homeowner “no recourse” after the date of the
       repeal, even if a judgment has been entered and the cause is pending on appeal. U.S. Bank, N.A.

          7
           Defendant also makes an argument concerning the validity of the endorsements on the note.
       However, we have addressed this argument in the context of his earlier motion to strike and have no
       need to repeat that argument with respect to the motion for summary judgment, which provided even
       more support for the validity of the note.

                                                   - 13 -
       v. Coe, 2017 IL App (1st) 161910, ¶ 19; see also Coe, 2017 IL App (1st) 161910, ¶ 13 (finding
       that section 15-1502.5 was a special remedial statute without a savings clause and “it follows
       that, ‘[t]he unconditional repeal of a special remedial statute without a saving clause stops all
       pending actions where the repeal finds them. If final relief has not been granted before the
       repeal goes into effect it cannot be granted afterwards, even if a judgment has been entered and
       the cause is pending on appeal.’ ” (quoting People ex rel. Eitel v. Lindheimer, 371 Ill. 367,
       373-74 (1939))).
¶ 62       More importantly, however, there is evidence contained in the record that the grace period
       notice was mailed to defendant. Attached to the amended complaint was a document dated
       February 24, 2012, and addressed to defendant from RoundPoint, plaintiff’s servicer. The
       document was entitled “Grace Period Notice” and provided the required language set forth in
       section 15-1502.5. The exhibit attached to the complaint also included a copy of an envelope
       addressed to defendant and bearing first-class postage. Additionally, the affidavit of Kernicky,
       a vice president of default servicing for RoundPoint, was attached to the motion for summary
       judgment, in which Kernicky averred that “[o]n or about February 24, 2012, RoundPoint also
       sent [defendant and his wife] a Grace Period Notice.” Finally, in the “loss mitigation affidavit”
       of Hooton, an assistant vice president of loss mitigation with RoundPoint, Hooton averred that
       “[a] Grace Period Notice and a Notice of Default and Intent to Accelerate (‘Default Notice’)
       was also sent to the Borrower on or about February 24, 2012.” Defendant claims that
       RoundPoint did not begin servicing the loan until July 30, 2012, after the date of the notice, but
       Kernicky averred in her affidavit that RoundPoint began servicing the loan in 2009 and was
       doing so on behalf of plaintiff no later than September 2, 2010, when the bankruptcy court
       approved a settlement agreement confirming that plaintiff, not Colonial Bank, was the owner
       of the loan. Defendant also claims that there is no evidence that the notice was mailed or how
       long plaintiff waited before filing suit, but again, this assertion is contradicted by the
       evidence—the letter itself was dated February 24, 2012, and Kernicky averred that the letter
       was sent on that date. Accordingly, there is evidence in the record that the grace period notice
       was mailed to defendant.
¶ 63       By contrast, there is no evidence in the record to support defendant’s assertion that the
       grace period notice was not mailed or that defendant did not receive it. Defendant did not
       submit a counteraffidavit in response to plaintiff’s motion for summary judgment.
       Additionally, defendant’s third amended answer was not verified. 8 Accordingly, there is

           8
            We note that, if a pleading is verified, “every subsequent pleading must also be verified, unless
       verification is excused by the court.” 735 ILCS 5/2-605(a) (West 2014). However, in the case at bar, the
       complaint was not verified and defendant voluntarily chose to verify his pro se answers. “[A]s a general
       rule, where a pleading requires no verification, an amendment of that pleading need not be verified.”
       People ex rel. Hartigan v. All American Aluminum & Construction Co., 171 Ill. App. 3d 27, 37 (1988).
       Thus, defendant was permitted to file a subsequent answer through counsel that was not verified. See
       Hartigan, 171 Ill. App. 3d at 37 (finding no violation of section 2-605(a) where the third amended
       complaint was not verified even though the two prior complaints had been verified). Nevertheless, any
       admissions made by defendant in those verified pleadings would remain binding after amendment
       because there was no allegation that those admissions were made through mistake or inadvertence. See
       Knauerhaze v. Nelson, 361 Ill. App. 3d 538, 558 (2005) (“[O]riginal verified pleadings will remain
       binding as judicial admissions even after the filing of an amended pleading which supersedes the
       original unless the amended pleading discloses that the original pleading was made through mistake or

                                                     - 14 -
       evidence in the record in support of plaintiff’s assertion that it had properly mailed the grace
       period notice, and there is no evidence in the record to counter that claim.
¶ 64        We are not persuaded by defendant’s attempt to draw an analogy between his case and the
       facts present in Adeyiga, a case in which we remanded for an evidentiary hearing on the issue
       of grace period notice, as the two situations are sharply distinguishable. There, the bank did not
       allege in its complaint that it had mailed a grace period notice. Adeyiga, 2014 IL App (1st)
       131252, ¶ 11. In response to the bank’s motion for summary judgment, the borrowers filed
       affidavits in which they averred that they did not receive a grace period notice. Adeyiga, 2014
       IL App (1st) 131252, ¶ 26. In its reply, the bank “did not deny that it failed to send the grace
       period notice. The Bank argued that since [one of the borrowers] did not raise a defense with
       regard to failure to send a grace period notice in his answer, and [the other borrower] filed no
       answer, they had admitted to receiving the grace period notice.” Adeyiga, 2014 IL App (1st)
       131252, ¶ 31. The trial court agreed, finding that the borrowers had admitted that the grace
       period notice was sent “because [one borrower] did not address the grace period notice in his
       answer, and [the other] made no answer at all.” Adeyiga, 2014 IL App (1st) 131252, ¶ 36. On
       appeal, we reversed and remanded the case for an evidentiary hearing on the issue of grace
       period notice. In our analysis, we repeatedly noted that (1) the borrowers had filed affidavits
       denying receipt of a grace period notice, (2) the bank did not contend that notice was mailed,
       and (3) the only basis for finding such a notice was the pro se answer “in which [the borrower]
       supposedly admitted an unstated allegation by failing to deny it.” Adeyiga, 2014 IL App (1st)
       131252, ¶ 107. We found that “the trial court erred as a matter of law when it deemed that [the
       borrowers] admitted to receiving the grace period notice, even though the Bank never showed
       evidence that it mailed or served a notice, and thus we remand to the trial court to determine in
       an evidentiary hearing whether the grace period notice was sent, and whether the Bank waited
       past 30 days before they filed suit.” Adeyiga, 2014 IL App (1st) 131252, ¶ 112.
¶ 65        In the case at bar, by contrast, plaintiff alleged in its complaint that it had provided the
       required grace period notice and attached a copy of the notice and the envelope to its
       complaint. In support of its motion for summary judgment, plaintiff also included two
       affidavits in which the affiants averred that the grace period notice had been mailed well before
       filing of the complaint. In response, defendant did not provide any counteraffidavit denying
       receipt of the grace period notice. Thus, this case is effectively the opposite of the situation
       present in Adeyiga—instead of the plaintiff being silent and the borrower averring no notice,
       here, the borrower is silent and the plaintiff has averred providing the notice and has attached a
       copy of the notice to the complaint. Accordingly, we cannot find that there is a question of
       material fact on this issue.
¶ 66        We also cannot find a question of material fact as to the issue of whether plaintiff was the
       holder of the note at the time the complaint was filed. Defendant argues that since plaintiff had
       filed for bankruptcy in 2011, it was the plan trust that would have standing to initiate a
       foreclosure action, not plaintiff. However, defendant provides no support for his assertion,
       citing a Chapter 11 liquidation plan that only generally speaks of vesting plaintiff’s assets in
       the plan trust. Defendant does not address Kernicky’s affidavit, in which she averred that, in
       connection with the bankruptcy action, the bankruptcy court approved a settlement agreement

       inadvertence.” (Emphasis in original.)). With respect to the issue of grace period notice, defendant
       made no admissions in his verified answers and only made a general denial of plaintiff’s allegation.

                                                    - 15 -
       confirming plaintiff’s ownership in the loan. Furthermore, defendant does not address the fact
       that plaintiff attached the mortgage and promissory note to the amended complaint and even
       produced the original note in open court, as the trial court found in a January 8, 2015, order.
       See Adeyiga, 2014 IL App (1st) 131252, ¶ 67 (“To establish a prima facie case of foreclosure
       in accordance with section 15-1504, a plaintiff is required to introduce evidence of the
       mortgage and promissory note, at which time the burden of proof shifts to the defendant to
       prove any affirmative defenses.”). Accordingly, we cannot find that defendant has identified a
       question of material fact concerning plaintiff’s standing and affirm the trial court’s grant of
       summary judgment in plaintiff’s favor.

¶ 67                                      IV. Confirmation of Sale
¶ 68       Finally, defendant argues that the trial court erred in confirming the sale because “Justice
       was Not Done.” Under section 15-1508 of the Foreclosure Law, after a hearing on a motion to
       confirm a sale, “[u]nless the court finds that (i) a notice required in accordance with subsection
       (c) of Section 15-1507 was not given, (ii) the terms of sale were unconscionable, (iii) the sale
       was conducted fraudulently, or (iv) justice was otherwise not done, the court shall then enter an
       order confirming the sale.” 735 ILCS 5/15-1508(b) (West 2014). “The provisions of section
       15-1508 have been construed as conferring on circuit courts broad discretion in approving or
       disapproving judicial sales.” Household Bank, FSB v. Lewis, 229 Ill. 2d 173, 178 (2008).
       Accordingly, “[a] court’s decision to confirm or reject a judicial sale under the statute will not
       be disturbed absent an abuse of that discretion.” Lewis, 229 Ill. 2d at 178.
¶ 69       In the case at bar, defendant argues that justice was not done because plaintiff’s purchase of
       the property was “deceptive and fraudulent” because plaintiff had been “liquidated and
       dissolved” at the time of the sale. However, Kernicky’s affidavit explained that plaintiff’s
       Chapter 11 reorganization did not result in the termination of its corporate existence; instead,
       the liquidation plan “provide[d] for the monetization of the remaining assets of [plaintiff’s]
       bankruptcy estate for the benefit of [plaintiff’s] creditors.” Thus, plaintiff’s Chapter 11
       proceedings did not prevent plaintiff from proceeding with the foreclosure claim.
¶ 70       Furthermore, as plaintiff notes, even if plaintiff had been dissolved at the time of the sale,
       the dissolution of a corporation
               “shall not take away nor impair any civil remedy available to or against such
               corporation, its directors, or shareholders, for any right or claim existing, or any
               liability accrued or incurred, either prior to, at the time of, or after such dissolution if
               action or other proceeding thereon is commenced within five years after the date of
               such dissolution.” 805 ILCS 5/12.80 (West 2014).
       Thus, even if plaintiff “went out of business on August 10, 2011,” as defendant claims,
       plaintiff’s foreclosure action was commenced within five years of that dissolution and so
       plaintiff would have been entitled to proceed with the action regardless of its status.
       Accordingly, we cannot find that the trial court abused its discretion in confirming the sale.

¶ 71                                           CONCLUSION
¶ 72      For the reasons set forth above, we affirm the trial court’s judgment in its entirety. The trial
       court did not err in permitting plaintiff to amend the complaint, in denying defendant’s motion



                                                    - 16 -
       to strike the note, in granting summary judgment in plaintiff’s favor, or in confirming the sale.

¶ 73      Affirmed.




                                                  - 17 -
