USA v. Ellis

Filing 9

JUDGMENT DECREE AND ORDER DIRECTING SALE OF MORTGAGED PROPERTY. Signed by Judge J. Phil Gilbert on 8/30/2024. (jdh)

IN THE UNITED STATES DISTRICT COURT
FOR THE SOUTHERN DISTRICT OF ILLINOIS
UNITED STATES OF AMERICA,
Plaintiff,
vs.
MONA J. ELLIS,
Defendant.

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Civil No. 24-cv-1376-JPG

JUDGMENT DECREE AND ORDER
DIRECTING SALE OF MORTGAGED PROPERTY
This cause coming on to be heard upon the plaintiff's complaint, and an order of default
having been entered against the Defendant, the Court finds:
1.

That it has jurisdiction of the parties to and subject matter of this suit. The

Defendant has properly waived served and having failed to answer or otherwise enter any
appearance herein, although the time for answering having expired, is defaulted.
2.

The United States of America, acting through the Small Business Administration,

made a loan to Mona J. Ellis, secured by a mortgage dated July 27, 2009 (Ex. A of the
Complaint), in the total principal amount of $127,500.00. The mortgage was recorded on July
31, 2009, in Book 811, Pages 146-151, Massac County, Illinois. That loan is evidenced by a
promissory note dated November 17, 2008, as amended on July 27, 2009 (Ex. B of the
Complaint). Defendants, Mona J. Ellis, defaulted on the amended note. On December 10, 2021,
the United States of America, Small Business Administration, issued a notice of foreclosure (Ex.
C of the Complaint).
3.

That the following is the name of a person that may have claimed an interest in

the above described property, but is foreclosed from asserting her claim, if any, because of her

default in this action: Mona J. Ellis
4.

That by virtue of the mortgage and indebtedness thereby secured, the plaintiff,

United States of America, has a valid and subsisting lien as follows:
Common address: 2032 Greenview Avenue, Metropolis, IL 62960
All that certain tract or parcel of land situated in the County of Massac and state
of Illinois, being Lot 53 in Meadowbrook Subdivision to the City of Metropolis,
Massac County, Illinois, as shown by a plat recorded in Plat record 1, page 260, in
the Office of the Recorder of Deed, Massac County, Illinois.
Parcel No. 05-35-411-053
5.

That by virtue of the mortgage and the indebtedness thereby secured, as alleged in

the Complaint, there is due the plaintiff, the United States of America, as follows:
(a)

(b)

(c)

For its own use and benefit for the costs of this suit and for:
U.S. Attorney's docket and recording fees ............

$

477.00

Title expenses .......................................................

$

275.00

TOTAL

$

752.00

.......................................................

For the use and benefit of the plaintiff, holder of the note secured by the
mortgage aforesaid, but subject and subordinate to the lien for payment of
the items mentioned in subparagraph (a) of this paragraph:
Unpaid principal balance ......................................

$75,870.44

Accrued interest at $5.72 per day due and
unpaid as of August 5, 2024 ................................

$10,286.82

TOTAL

.......................................................

$86,157.26

Total amount due plaintiff as of August 5, 2024,
Including costs detailed in 5(a) ............................

$86,909.26

In addition, the plaintiff may be compelled to advance various sums of
money in payment of costs, fees, expenses and disbursements incurred in
connection with the foreclosure, including, without limiting the generality
of the foregoing, filing fees, stenographer's fees, witness fees, costs of
publication, costs of procuring and preparing documentary evidence and
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costs of procuring abstracts of title, certificates, foreclosure minutes and a
title insurance policy.

6.

(d)

Under the terms of the mortgage, all such advances, costs and other fees,
expenses and disbursements are made a lien upon the mortgaged real
estate and the plaintiff is entitled to recover all such advances, costs,
expenses and disbursements, together with interest on all advances at the
rate provided in the mortgage, or, if no rate is provided therein, at the
statutory judgment rate, from the date on which such advances are made.

(e)

In order to protect the lien of the mortgage, it may or has become
necessary for plaintiff to pay taxes and assessments which have been or
may be levied upon the mortgaged real estate.

(f)

In order to protect and preserve the mortgaged real estate, it may also
become necessary for the plaintiff to make such repairs to the real estate as
may reasonably be deemed for the proper preservation thereof.

(g)

Under the terms of the mortgage, any money so paid or expended has or
will become an additional indebtedness secured by the mortgage and will
bear interest from the date such monies are advanced at the rate provided
in the mortgage, or, if no rate is provided, at the statutory judgment rate.

That Massac County, Illinois, has a valid lien on the above-described property for

tax for the year 2023, and the property will be sold subject to the interest of Massac County,
resulting from taxes, general or special, which are a valid lien against the above-described
property.
WHEREFORE, IT IS ORDERED, ADJUDGED, AND DECREED by this Court that
judgment is entered against Mona J. Ellis, for $86,909.26, and unless the Defendant and/or her
assigns and successors in interest to the above-described property pay to the plaintiff, the United
States of America, acting through the Farmers Home Administration, United States Department
of Agriculture, within three days from the date of this decree the sum of $86,909.26 with
attorney's fees and court costs with lawful interest to be computed thereon from this date until
paid, the real estate described in paragraph 4 of this decree shall be sold at public sale to the
highest bidder for 10% at time of sale and balance within 72 hours, subject to taxes, general or
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special, due and owing to Massac County, Illinois, by the United States Marshal for the Southern
District of Illinois at the front door of the Massac County Courthouse in the City of Metropolis,
Illinois.
IT IS FURTHER ORDERED, ADJUDGED, AND DECREED that judgment is entered
in favor of the United States and against Mona J. Ellis. The real estate shall be sold free and
clear of any claimed lien of Mona J. Ellis.
IT IS FURTHER ORDERED, ADJUDGED, AND DECREED that the United States
Marshal for the Southern District of Illinois give public notice of the time, place, and terms of
such sale, together with a description of the premises as referred to in paragraph 4 of this decree
to be sold, by previously publishing the same once each week for three (3) consecutive weeks as
provided by law in a secular newspaper of general publication in the State of Illinois, the first
publication to be not less than four weeks before the date of such sale; that said United States
Marshal may adjourn the sale so advertised by giving public notice by proclamation; that the
plaintiff or any of the parties to this cause may become the purchaser or purchasers at such sale;
that upon such sale being made, the United States Marshal shall execute and deliver to the
purchaser or purchasers a certificate of sale and that said certificate of purchase shall be freely
assignable by endorsement thereon.
This is a foreclosure of a mortgage of residential real estate.
The amount required to redeem shall consist of the total balance due as declared above
plus interest thereon at the statutory rate hereunder and all additional costs and other expenses
allowed by the Court.
If the purchaser at the judicial sale of residential real estate is a mortgagor who is a party
to this proceeding or its nominee, and if the sale price is less than the amount required to redeem

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specified in 735 ILCS § 5/15-1604, an owner of redemption has a special right to redeem for a
period ending 30 days after the date the sale is confirmed by paying the mortgagee the sale price
plus all additional costs and expenses incurred by the mortgagee set forth in the report of sale
and confirmed by this Court.
The redemption period shall end at the later of the expiration of any reinstatement period
provided for in 735 ILCS § 5/15-1602 or the date 60 days after the date the Judgment/Order is
entered, since the Court finds that (1) the value of the mortgaged property as of the date of the
Judgment/Order is less than 90% of the amount due under 735 ILCS § 5/15-1603, and (2) the
mortgagee waives any and all rights to a personal deficiency judgment against the mortgagor and
against all other persons liable for the indebtedness or other obligations secured by the mortgage.
735 ILCS § 5/15-1603 (b) (3).
IT IS FURTHER ORDERED, ADJUDGED, AND DECREED that out of the proceeds of
such sale the United States Marshal shall retain his disbursements and fees, and out of the
remainder of said proceeds he shall pay to the plaintiff $86,909.26, together with lawful interest
to be computed thereon to the date of this decree and any court costs of this action in its behalf.
Said United States Marshal shall take receipts from the respective parties from whom he may
make payments aforesaid and file the same together with his report of sale to this Court, and in
case said property shall sell for a sum more than sufficient to make the aforesaid payments, then
after making said payments he shall bring such surplus monies into Court without delay for
further distribution by order of this Court.
IT IS FURTHER ORDERED, ADJUDGED, AND DECREED from the date of entry of
this judgment of foreclosure through the 30th day after a foreclosure sale conducted pursuant to
this judgment is confirmed by this Court, the mortgagor shall be entitled to retain possession of

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the above-described real estate. After the 30th day said foreclosure sale is confirmed, the holder
of the certificate of sale shall be entitled to immediate possession of the real estate upon payment
of the sale purchase price, without notice to any party or further order of the Court. The
mortgagors shall peaceably surrender possession of said property to said certificate holder
immediately upon expiration of the said 30-day time period. In default of mortgagor so doing,
an order of ejectment shall issue.
IT IS FURTHER ORDERED, ADJUDGED, AND DECREED upon or after
confirmation of sale, the person who conducted the sale or the Court shall execute a deed to the
holder of the certificate of sale sufficient to convey title, which deed shall identify the Court and
the caption of the case in which judgment was entered authorizing issuance of the deed.
Signature and the recital in the deed of the title or authority of the person signing the deed as
grantor, of authority pursuant to this judgment, and of the giving of the notices required by
statute shall be sufficient proof of the facts recited and of such authority to execute the deed, but
such deed shall not be construed to contain any covenant on the part of the person executing it.
Delivery of the deed executed on the sale of the real estate, even if the purchaser or
holder of the certificate of sale is a party to the foreclosure, shall be sufficient to pass the title
thereto. Such conveyance shall be an entire bar of (i) all claims of parties to the foreclosure and
(ii) all claims of any non-record claimant who is given notice of the foreclosure as provided by
statute.
IT IS FURTHER ORDERED, ADJUDGED, AND DECREED that if the monies arising
from said sale shall be insufficient to pay sums due to plaintiff with interest as aforesaid after
deducting the costs as aforesaid, said United States Marshal shall specify the amount of said
deficiency in his report.

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IT IS FURTHER ORDERED, ADJUDGED, AND DECREED that the Court hereby
retains jurisdiction of the subject matter of this cause and the parties thereto for the purpose of
enforcing this decree and that said United States Marshal shall report his actions and doings in
the premises in this Court at the earliest possible time to which time this cause is hereby
continued.
DATED: August 30, 2024

s/ J. Phil Gilbert
J. PHIL GILBERT
United States District Judge

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