Legal Question in Bankruptcy in Illinois

If you filed bankruptcy and did not reaffirm the loan, which you should not have, then they should not be seeking a personal deficiency judgment. You may need to read the "legalese" more carefully or have your bankruptcy attorney guide you through it. If they are seeking to hold you personally responsible, you should seek to stop them. It may be as simple as a phone call and certified letter to the foreclosing attorneys with a copy of your discharge or it may mean showing up at one of the noticed hearing dates in the foreclosure case to advise the judge of your concern that the discharge is being violated. If the conduct persists, which I do not anticipate, you will then have made a good case for action to be taken for violating the discharge stay.

I completely agree with Mr. Repay's assessment. Most likely, the bank is seeking an "in rem" judgment only. An "in rem" judgment is the judgment against the property because your bankruptcy would not remove the lien from the property. However, you have no personal liability as long as you did not reaffirm the mortgage, so therefore the bank cannot seek an "in personam" deficiency, which is the personal judgment against you.