CGG Law | Foreclosure support
A clearer next step starts here.
When a mortgage has fallen behind, the next step is rarely obvious. Start with the numbers below, then read about three paths you can take.
A court or sale deadline may continue while you use this page. Do not wait for this planner or a reply if a deadline is approaching; seek prompt legal help.
Start with the numbers
Educational arithmetic, not legal advice. Calculator entries are processed in this page; this calculator does not send or save them. Use Clear all before leaving a shared device.
Step 1 of 5: Your monthly picture today
Step 1 of 5Your monthly picture today
Dependable monthly take-home, essential expenses and the mortgage as billed today; the mortgage is subtracted exactly once.
Step 2 of 5A proposed payment
A hypothetical monthly picture: proposed take-home, proposed essential expenses without the mortgage, a proposed mortgage payment, and past-due amounts spread evenly over a number of months. Pure division, with no interest, fees or lender decision assumed.
Step 3 of 5A possible sale price and payoff
A low and a high sale assumption, and the mortgage payoff as quoted. The high assumption must be at least the low one. A quote that already includes past-due amounts is never increased by them again.
Step 4 of 5Other amounts paid from a sale
Other liens, taxes, selling costs, closing costs and repairs. Each one is counted once; enter only amounts not already inside another entry.
Step 5 of 5Review and results
Check every entry, change anything with Edit, and read the results as arithmetic on the numbers you typed.
Results
Illustrations of the numbers you entered. “Unknown” means an input is missing; “Not shown” means an input needs checking first. Nothing here is eligibility, a lender’s approval, legal advice, a prediction or an appraisal.
How each figure is calculated
What this calculator is, and is not
- It does arithmetic. It adds and subtracts the numbers you enter and shows each step. It does not know your situation, your lender, or your paperwork. Example numbers are made up for illustration; replace them with your own.
- It is educational, not legal advice. It shows general arithmetic, not advice about your situation. A result is not eligibility for any program, not a lender’s approval, not a prediction of any outcome and not an appraisal.
- It decides nothing. It cannot say whether a lender will accept a payment plan, whether keeping or selling a home makes sense, or how any court matter will go. No number here points you to a path; the paths on these pages are choices to read about.
- Unknown stays unknown. A blank entry, or one marked Unknown, turns every result that depends on it into “Unknown”, never into zero. Negative results are shown as negative.
Open the calculator on its own page, with the same five steps.
Three paths
Three paths you can read about
Three ways people approach a mortgage that has fallen behind. They are choices to read about, not an exhaustive list and not outcomes anyone can promise. No number from the calculator chooses one of them for you, and reading about one does not close off another.
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Explore keeping your home
What to gather, who is already set up to help, and what to ask a lawyer about before any decision about staying.
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Review a possible sale
What a written payoff, other balances, a supported value and sale costs tell you, and what they do not. Why independent legal and tax review matters.
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Plan your next home
Housing navigation, essential documents, transport, pets, school, accessibility and budget, in case you ever need them. Planning is not leaving.
Every path page lists practical budgeting help, housing and legal support, emotional support and optional faith and community support, with public resources checked on October 26, 2026. None of them promises that a home will be kept, that a debt will end, that a sale will leave money over, or that a place to live will be found.
Optional next step
A foreclosure assessment, if you want one
Assessment-only fee: $750
CGG Law offers a standard foreclosure assessment for $750. The fee covers the assessment only. It does not include court representation, court filings, negotiations with a lender or servicer, or any other service. It does not buy or guarantee foreclosure relief or any particular result.
Carolina Garza-Gongora, the firm’s attorney, reviews whether CGG can accept the matter, including conflicts, and performs the assessment. Accepted clients receive the same standard assessment scope and engagement terms in writing. Any additional service would require a separate written agreement if the firm offers it.
If you choose to proceed and the firm accepts the matter, the assessment terms and payment arrangements are discussed during the call. No payment is collected on this website. You can use these CGG pages and calculator, and contact the listed providers, without purchasing an assessment.
Using this planner does not itself establish an engagement; CGG will confirm any accepted scope in writing. Applicable duties to prospective clients are not waived.
Help beyond the numbers
Support exists in several forms, and you can use any of it whether or not you ever speak with CGG Law:
- Budgeting and credit counseling
- Housing counseling and, in Cook County, court mediation
- Legal aid for people who cannot afford a lawyer
- Mental-health support during a stressful time
- Housing navigation, and planning for rebuilding or for renting after a move
- Faith and community support, which is optional and offered alongside secular help. You do not need a religious belief to use these CGG resources.
The three path pages list specific public resources, with their web addresses and the numbers to call, as checked on October 26, 2026. Those pages link to independent providers, which have their own eligibility rules and privacy practices.
Before you rely on anything here
- These pages are educational information, not legal advice; they are not individual legal or tax advice about your situation.
- Do not upload confidential documents here. These pages accept no files and ask for no personal details.
- Using this page does not pause a court or sale deadline. Neither does requesting a consultation or contacting a provider.
- These CGG pages and the calculator are free to use, without an account. You do not need to hire CGG Law or pay its assessment fee to contact the listed providers. Each provider sets its own eligibility, intake requirements and any fees.
- The three path pages link to independent providers, which have their own eligibility rules and privacy practices. Resource web information was checked on October 26, 2026. The numbers listed have not been called, and availability is not guaranteed.