CST WEEKLY 12-9-2020

Y O U R S O U R C E F O R C O R O N AV I R U S N E W S

Citizen The Citizen: Serving The Black Community For 55 Years Week of Dec. 9, 2020

| Vol. 4 | No. 18 | www.citizennewspapergroup.com

SUBURBAN TIMES WEEKLY

Andrew Pentis, the student loan debt policy expert at Student Loan Hero, pointed to an analysis published by his company, which shows student loan portfolios now total $1.67 trillion.

STUDENT LOAN DEBT WIDENS RACIAL WEALTH GAP President-elect Joe Biden wants to immediately erase student loan debt, a move that could prove more meaningful for African American students who, on average, owe much more than anyone. PAGE 3

Rapid COVID-19 tests can be useful – but there are far too few to put a dent in the pandemic

Mobile Tire Installation Service Makes Tire Buying Easier In Chicago Suburbs

Travel Spending in U.S. to Plunge

by Nearly Half This Year

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advertising@citizennewspapergroup.com thechicagocitizen@thechicagocitiz www.facebook.com/durrell.garth.9 www.citizennewspapergroup.com

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POLITISCOPE

Rapid COVID-19 tests can be useful – but there are far too few to put a dent in the pandemic

BY BONNIE LaFLEUR AND KATHERINE ELLINGSON

Since September, the Food and Drug Administration has approved seven COVID-19 tests that yield results in 30 minutes or less, offering hope for vast improvements in test access and efficiency throughout the U.S. Most of these are antigen tests that look for viral proteins and can be processed on portable machines or cards.

The idea behind these rapid tests is to detect symptomatic, pre-symptomatic and asymptomatic infectious people before they can spread the coronavirus. But despite massive distribution of these tests by federal officials – including to date over 40 million of 150 million rapid tests ordered from the medical company Abbott – COVID-19 transmission has been surging in every state since early November.

This calls into question whether the current influx of rapid tests can actually slow the spread of COVID-19.

In some targeted applications – and if people take other precautions including mask wearing and social distancing – rapid tests can be a valuable tool. But the current state of availability and accuracy of these tests greatly limit how effective they are at slowing the spread of the virus in communities.

Speed over accuracy Rapid antigen tests are an attractive option because in addition to their speed, they are cheap and easy to produce and therefore more broadly available than the more commonly used gold-standard PCR tests in theory. But these attributes come with a trade-off: less diagnostic accuracy. This makes them an excellent candidate for use as a screening tool, though less useful for accurately diagnosing SARSCoV-2 infection.

One-time testing does not mean that a person can safely travel or mingle without precautions. And while no test is perfectly accurate, there are real questions about the performance of the new rapid tests.

A few test manufacturers reported accuracy between 84.0% and 97.6% in individuals who are tested within five days after developing COVID-19 symptoms. There is, however, an apparent gap between the reported performance of these tests and what is achieved in the real world. Anecdotally, these tests seem to miss recent, mild and asymptomatic infections – in fact, rapid tests are authorized by the U.S. Centers for Disease Control and Prevention only for use in symptomatic COVID-19 patients. And of course, people can still be infected soon after getting tested.

For rapid tests to effectively limit

spread of the coronavirus, experts suggest that they must be conducted with high frequency – you might miss some cases, but if everyone were getting tested all the time, you would catch a lot of cases too.

But even frequent testing is not a panacea. It’s only one part of an approach that must also include social distancing, mask wearing and other precautions.

A highly publicized example of how a rapid testing strategy can go wrong occurred when President Trump and many in his inner circle contracted COVID-19, likely stemming from a single superspreading event. Everyone was reportedly getting daily rapid tests, but they were largely ignoring other measures like face masks and social distancing. It is likely that someone was infected and asymptomatic, tested negative, and then started the outbreak.

Widespread, repeat testing Detecting pre-symptomatic and asymptomatic individuals who are infectious is critical to controlling the coronavirus. Rapid tests can do this, but only if people are screened repeatedly on a schedule – much as what has been happening in some professional and intercollegiate sports.

The idea is that by testing people early and often – perhaps even as much as every day – rapid tests can catch infected people before they

spread the coronavirus to others.

But on a national scale, that is a huge number of tests.

Researchers have estimated that the U.S. would need to perform at least 20 million rapid tests per day to drive down infections. The 150 million rapid tests ordered by the government in late August were earmarked for high-risk populations, but would barely cover one week for the population at large. And don’t forget that logistic capabilities, compliance to frequent testing and the infrastructure to act quickly on results all need to happen as well.

A targeted approach There simply aren’t enough rapid tests being produced for the general public to get repeat testing, so the federal government has prioritized deployment of rapid tests to the high-risk population of nursing homes. Federal guidelines for rapid test use in long-term care facilities are a great example of what a testing program might look like – but also illustrate the current challenges in the use of rapid tests.

If even one person in a nursing home tests positive, all staff and residents must be tested every three to seven days until the facility has been free of COVID–19 for 14 days.

When a facility has no cases, all staff are required to get tested according to their county’s test-positivity

rate – the higher the rate, the more testing is needed.

Yet nursing homes have had problems with accuracy, staffing and costs while using these tests and find themselves again in crisis during the current surge. While the rapid tests certainly helped catch many cases and should be used in these settings, they cannot single-handedly overcome larger issues that contribute to spread in these settings.

Rapid tests can be effective in highly controlled settings where people are tested frequently and other mitigation measures are in place.

Look to the success of the NBA bubble as proof. But in other settings where isolation, mask wearing and social distancing are hard to implement or not followed – like nursing homes or the White House – rapid tests have not kept the virus at bay.

Current testing capacity is nowhere near the hundreds of millions of tests per week required to protect the general population. To date, the promise of cheap and convenient COVID-19 tests being the sole means of controlling disease transmission has not been realized.

Bonnie LaFleur is a professor of biostatistics at the University of Arizona. Katherine Ellingson is an assistant professor of epidemiology and biostatistics at the University of Arizona.

NEWS

Mobile Tire Installation Service Makes Tire Buying Easier In Chicago Suburbs With more consumers gravitating toward online shopping and mobile delivery, Goodyear’s Mobile Install service lets drivers get new tires professionally installed without ever leaving home.

Through Goodyear’s new mobile tire installation service, customers in the surrounding Chicago suburbs can shop for tires online and get them professionally installed at home for no extra cost beyond standard installation, terms and conditions of service apply.

Additionally, Goodyear technicians uphold strict physical distancing measures as part of this zero-contact service, according to a press release. “With our mobile tire installation option, we aim to accommodate customers

who prefer not to leave their homes to get tires installed, as well as those who could simply benefit from the time saved,” said Ryan Hartschuh, mobile planning & development manager at Goodyear. “Our state-of-the-art van delivers the same quality mounting, balancing and installation process that you’d expect, without so much as leaving your home, workplace or even your kid’s soccer practice.”

Mobile Install comes just in time to serve drivers planning to travel for the holidays or using a personal vehicle for transportation.

Fittingly, in other markets where Goodyear Mobile Install is available, the service has grown in popularity as COVID-19 has changed in-person shopping habits.

Goodyear mobile tire installation allows drivers to get new tires professionally without ever leaving home.

To shop for tires and to book Mobile Install on Goodyear.com, you can choose tires for your vehicle, then select Mobile Install at checkout.

A Goodyear technician will arrive at your selected time and place to install the tires.

www.citizennewspapergroup.com

However, if Mobile Install isn’t your preferred option, tire installation is still available in-store throughout the greater Chicago area, according to a press release.

For more details or to book an appointment, visit www.Goodyear.com/van.

CITIZEN | Suburban Times Weekly | Week of Dec. 9, 2020

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NEWS

Student Loan Debt Widens Racial Wealth Gap Continued from page 1

BY STACY M. BROWN NNPA Newswire Senior National Correspondent @StacyBrownMedia

President-elect Joe Biden wants to immediately erase student loan debt, a move that could prove more meaningful for African American students who, on average, owe much more than anyone.

With the freeze placed on student loan repayments set to end December 31, Biden has gotten behind the Democrat-led House’s HEROES Act, which calls on the federal government to pay off up to $10,000 in private, non-federal student loans for economically distressed borrowers.

“People having to make choices between paying their student loan and paying the rent … debt relief should be done immediately,” Biden stated during a news conference on Monday, November 16.

NPR reported that Senate Democrats also are pushing for much more debt relief.

Senate Minority Leader Chuck Schumer (D-NY) co-authored a resolution in September with Sen. Elizabeth Warren (D-Mass.) calling for the next president to cancel up to $50,000 of outstanding federal student loans per borrower.

According to data from the U.S. College Board, that would mean erasing all debt for more than three-quarters of borrowers.

Andrew Pentis, the student loan debt policy expert at Student Loan Hero, pointed to an analysis published by his company, which shows student loan portfolios now total $1.67 trillion.

Further, the data shows that debt distribution is more massive among borrowers of color, particularly Black students.

Nearly 9 in 10 Black students take out federal student loans to pay for college, compared with 7 in 10 white students.

African American students are far more likely to have large student debt than their white, Hispanic or Asian classmates, with 59.5 percent of African American students borrowing more than $29,500.

Pentis noted that the Black borrowers are more than twice as likely as white borrowers to default on their student loans, which he said is a by-product of a U.S. median household income that’s about $25,000 less for Black families than whites.

The end of the federal loan moratorium would disproportionately impact Black and brown borrowers, Pentis warned.

“Student loans have long been seen as a tool to make the wealth gap in this country better,” Pentis said. “We are seeing that those loans are actually making the racial wealth gap worse because the loans become a burden on families that are already disadvantaged in terms of having a lower household income, having a lower

net worth, and student loans can be a hindrance for families trying to achieve financial goals like buying a house instead of helping those families sort of climb the social ladder and increase their financial wherewithal.”

Student Loan Hero’s student loan debt analysis also revealed that large amounts of debt could act as a roadblock to completing college on time.

Data showed that while 42.6 percent of students in the Class of 2017 graduated in four years or less, that number dropped to 28.8 percent among Black students and 29.7 percent among Hispanic students.

For white and Asian students, Student Loan Hero said the rates were higher than average at 46.7 percent and 48.5 percent, respectively.

Conversely, more Black students – 40.7 percent – took over six years to graduate college, compared with 35.2 percent for Hispanic students, 25.3 percent for white students, and 19.7 percent for Asian students.

“It’s proven that earning degrees allows students to earn more income,” Pentis remarked.

“So, if you have students not able to graduate, they’re carrying debt into careers that may not be able to pay for it. Black students are borrowing at higher amounts because of the racial wealth gap in this country. “Typically, white and Hispanic students might borrow at relatively high rates, but they’re not borrowing as much.”

Two-Time Cancer Surviving Amazon Author Rosie Mankes Strategically Aligns With ‘Stand Up To Cancer’ (SU2C), Via Her Book Amazon Author, Life Coach and Motivational Speaker Rosie Mankes (https://www.rosiemankes.com/) was recently the subject of an interview conducted by nonprofit cancer organization SU2C, which raises funds to accelerate the pace of groundbreaking translational research to help quickly develop and deploy new cancer therapies.

Mankes is a supporter for SU2C after conquering two devastating lung and breast cancer diagnoses in her own lifetime. “I am a twotime cancer survivor and I have spent the last eight years of my career helping to raise funds and awareness for the important work of nonprofits. That said, it is super important to me to strategically align with this amazing nonprofit for my book sales,” Mankes said.

Mankes channeled her experiences into the subject of a powerful memoir, rewarding readers with a message of perseverance and hope. She learned that the

best way to conquer life’s hardest challenges was to shift gears and change tactics.

Rather than succumbing to fear, she now focuses on wellness, emotional healing, and spiritual wholeness and shares her message with those facing illnesses, such as cancer or other challenging life struggles. The SU2C interview is available online at https://www. shopsu2c.org/dept/stories Mankes memoir, Find Your Joy & Run With It, is currently available for purchase on Amazon.com Synopsis and Review for “Find Your Joy & Run With It” What if you went to the post office thinking you were picking up a package, but instead you received a box containing your brother’s cremation remains. What if, during that same year, you were diagnosed with breast cancer and had to undergo a double mastectomy – all while simultaneously Continued on page 5 www.citizennewspapergroup.com

Darrell Garth President / Publisher Janice Garth Sales Manager/ General Manager CST Weekly, published weekly on Wednesdays and distributed in the Township of Bloom, (publishing 52 issues annually).

Written permission is required to reproduce contents in whole or part from the General manager or the publisher. CST Weekly does not assume the responsibility for nor are we able to return unsolicited marterials. Deadline for advertising is every Monday at noon.

For information on subscriptions or advertising call us at (773) 783-1251. Our office is located at 8741 S. Greenwood Ave., Ste# 107, Chicago, Illinois 60619.

Editorial:

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4 | CITIZEN | Suburban Times Weekly | Week of Dec. 9, 2020

NEWS North America Online Gambling Market Projected to Register a CAGR of 14.78% According to a ResearchAndMarkets.comreport, the North America online gambling market is projected to register a CAGR of 14.78% during the forecast period (2020 - 2025).

Casino gambling has been one of the rapidly growing gambling categories, owing to the convenience of usage and optimal user experience. With the advent of technology, there has been a widespread implementation of virtual reality, block chain, and mobile platforms in the gambling industry across the region.

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Custom slot types are trending the most in the market, owing to the scope of innovation and personalization by consumers.

Moreover, live casinos have gained popularity over the recent past, as they involve a wide deal of live dealers and real-time feedback that help improve the real-world casino experience.

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COMMUNITY ENERGY CENTER

WELCOME

TO OUR NEW SITE CommunityEnergyCenter.org will Educate the Public about Energy Empowerment among Diverse Communities Diverse communities not only will be shaped by an evolving energy sector, they will shape it. Our new website – CommunityEnergyCenter.org – welcomes perspectives from commentators and journalists from publications in diverse communities to promote a deeper understanding of how energy and economic matters play a role in daily life. This new content hub will educate diverse communities to explore job opportunities and participate in the energy sector’s growth and vitality.

Visit www.communityenergycenter.org to learn more.

The Community Energy Center, a cooperative with the National Newspaper Publishers Association and National Association of Hispanic Publications Media, will provide information and perspectives on the integral role of the energy sector in daily life for American families in a wide range of communities.

CITIZEN | Suburban Times Weekly | Week of Dec. 9, 2020

NEWS Two-Time Cancer Surviving Amazon Author Rosie Mankes Strategically Aligns With ‘Stand Up To Cancer’ (SU2C), Via Her Book Continued from page 3 dealing with the challenge of transitioning your confused and dementia-suffering mother into an assisted living facility?

These three life-altering events happened to Rosie Mankes, but rather than telling the story of a life overturned by hardship, she celebrates the magic of breaking free and finding joy, sharing how readers can do the same.

“You will laugh, you will cry, and you will know that because of her honesty, her strength, and her courage, she will help us all fight through things we Find Your Joy & Run With It PRNewsfoto/Rosie could have never imagMankes ined happening to us. ney, life coaching tips, or upcoming Thank you, Rosie.” –Dan Angel, personal appearances, visit www. multiple Emmy, Peabody and rosiemankes.com or follow her on WGA award-winning writer and social media: Facebook, Instagram, producer. www.LinkedIn.com/in/RosieFor the latest news related to Rosie Mankes, her continuing jour- Mankes/

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ART SCENE

New Fashion Accessories Store Champions for Artists and Creatives Youzey (http://youzey.com/), a brand new online accessories store, officially launched recently. From stylish sunglasses and jewelry to vibrant masks, Youzey offers fashion-forward accessories for men and women in their everyday life.

According to a press release, Youzey is focused on providing shoppers with stylish, timeless, and budget-friendly accessories for everyday life, for both men and women. From next-level fashion to wardrobe staples and party-inspired pieces, Youzey looks to celebrate YOU with a versatile selection of hair accessories, beauty tools, jewelry, hats, socks, and so much more that can be worn at home or out and about.

Youzey is built on a foundation of creativity, self-expression, and the beauty of being you. These values are demonstrated through Youzey’s alliance with Americans for the Arts (https://www.americansforthearts.org/), a non-profit organization that makes a critical difference in the lives of artists and creators.

As part of this partnership, Youzey will

donate 10% of all proceeds to Americans for the Arts.

“We have taken the simple idea that little luxuries can bring joy to your everyday life, and who doesn’t need more reasons to smile during these crazy times,” says CEO Janet Carter. “We couldn’t be happier to celebrate artists, who have been hit so hard by this pandemic. By supporting Americans for the Arts, 10% of every purchase made will give back to a community that celebrates individuality and creativity, which is exactly what Youzey is all about.”

Americans for the Arts helps build recognition and support for the extraordinary and dynamic value of the arts. By sharing a portion of the proceeds from every sale, every purchase made can make a difference to the artist community, especially during these times but also always.

For more information on Youzey visit http://youzey.com/ For more information about Americans for the Arts, visit, https://www.americansforthearts.org/

Youzey Accessories Launch

TRAVEL

Latest Projection: Travel Spending in U.S. to Plunge by Nearly Half This Year Travel spending in the U.S. is expected to finish the year 45% down from 2019 levels, and will still not have returned to its pre-pandemic strength by 2024, according to the latest figures released by the U.S. Travel Association.

The new 2020 projected travel spending figure of $617 billion is slightly worse than U.S. Travel’s previous forecast released in July ($622 billion)—and is a precipitous drop from the $1.13 trillion spent on travel in the U.S. overall in 2019.

The nosedive reflects a decline of 34% in domestic leisure travel spending—but even sharper drop-offs in the lucrative domestic business (55%) and international inbound (77%) markets.

Travel is by far the industry hardest hit by the ongoing fallout of the COVID-19 pandemic, currently accounting for 33% of overall unem-

ployment in the U.S. Nearly 40%—3.5 million—of all direct travel jobs have vanished over the past seven months, even after taking into account modest growth over the summer. Another million direct travel jobs—bringing the total to 4.5 million or 50% of pre-pandemic levels—are expected to disappear by year’s end without another round of congressional relief.

It is unknown how many of those job losses will become permanent.

Large numbers of travel businesses were unable to access early rounds of federal pandemic relief—and many businesses that did receive temporary aid have exhausted their relief funds.

Washington’s inability to reach a deal on a new round of relief prior to the November 3 election further devastated the travel industry, and travel leaders are strongly urging policymakers not to wait for the new Congress and administration to take office

Washington’s inability to reach a deal on a new round of relief prior to the November 3 election further devastated the travel industry, and travel leaders are strongly urging policymakers not to wait for the new Congress and administration to take office before advancing another package.

before advancing another package.

“A lot of businesses that need help to retain and rehire their people won’t be there in January if we wait until the next Congress to get more aid passed,” said U.S. Travel Association President and CEO Roger Dow. “The pain among travel employers is extremely acute, and so is the frustration that Washington has been unable to act so far given the size and obviousness of this problem.” www.citizennewspapergroup.com

U.S. Travel continues to recommend specific policy actions that should be pursued by Congress immediately to help stave off further economic damage and job loss, among them: l Enhance and extend the Paycheck Protection Program through the end of 2021, allow for a second draw on loans, and expand eligibility to include 501(c)(6) and quasi-governmental destination

marketing organizations. l Enhance and extend the Coronavirus Relief Fund through at least the end of 2021. l Provide additional emergency assistance to U.S. airports.

U.S. Travel is also a founding member of the COVID RELIEF NOW Coalition, a large and diverse group of private- and public-sector interests that continues to issue urgent calls for legislative action.

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CST Weekly

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Classifieds REAL ESTATES AC 12-2-2020 IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION QUICKEN LOANS, LLC Plaintiff, -v.- MICHELLE R. HANKINSON Defendants 2019CH14273 2102 CUMMINGS LN FLOSSMOOR, IL 60422 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on November 12, 2020, an agent for The Judicial Sales Corporation, will at 10:30 AM on January 4, 2021, at The Judicial Sales Corporation, One South Wacker Drive, CHICAGO, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 2102 CUMMINGS LN, FLOSSMOOR, IL 60422 Property Index No. 32-06310-009-0000 The real estate is improved with a residence. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted. The balance, including the Judicial Sale fee for the Abandoned Residential Property Municipality Relief Fund, which is calculated on residential real estate at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds/or wire transfer, is due within twentyfour (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in "AS IS" condition. The sale is further subject to confirmation by the court.

Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale.

The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property. Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, examine the court file, CODILIS & ASSOCIATES, P.C. Plaintiff's Attorneys, 15W030 NORTH FRONTAGE ROAD, SUITE 100, BURR RIDGE, IL, 60527 (630) 794-9876 THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales. CODILIS & ASSOCIATES, P.C. 15W030 NORTH FRONTAGE ROAD, SUITE 100 BURR RIDGE IL, 60527 630-794-5300 E-Mail: pleadings@il.cslegal.com Attorney File No. 14-19-11567 Attorney ARDC No. 00468002 Attorney Code. 21762 Case Number: 2019CH14273 TJSC#: 40-2399 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff's attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose.

Case # 2019CH14273 I3160326 ____________________________

AC 12-9-2020 IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION HSBC BANK USA, NATIONAL ASSOCIATION, AS TRUSTEE Plaintiff, -v.- GERALD NORDGREN, SPECIAL REPRESENTATIVE FOR BARBARA G. MONTGOMERY (DECEASED), STATE OF ILLINOIS - DEPARTMENT OF REVENUE, SANORA TRIMUEL, UNKNOWN HEIRS AND LEGATEES OF BARBARA G. MONTGOMERY, UNKNOWN OWNERS AND NON-RECORD CLAIMANTS Defendants 18 CH 12031 1411 CENTER AVENUE CHICAGO HEIGHTS, IL 60411 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on October 21, 2019, an agent for The Judicial Sales Corporation, will at 10:30 AM on January 6, 2021, at The Judicial Sales Corporation, One South Wacker Drive, CHICAGO, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 1411 CENTER AVENUE, CHICAGO HEIGHTS, IL 60411 Property Index No. 32-21-305-004-0000, 32-21305-005-0000 & 32-21-305-0060000 The real estate is improved with a single family residence.

The judgment amount was $71,939.78. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted.

The balance, including the Judicial Sale fee for the Abandoned Residential Property Municipality Relief Fund, which is calculated on residential real estate at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in "AS IS" condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property.

Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required

by The Condominium Property Act, 765 ILCS 605/18.5(g-1). IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, Alexander Potestivo, POTESTIVO & ASSOCIATES, P.C. Plaintiff's Attorneys, 223 WEST JACKSON BLVD, STE 610, Chicago, IL, 60606 (312) 263-0003. Please refer to file number 115974. THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales. POTESTIVO & ASSOCIATES, P.C. 223 WEST JACKSON BLVD, STE 610 Chicago IL, 60606 312-263-0003 E M a i l : ilpleadings@potestivolaw.com

Attorney File No. 115974 Attorney Code. 43932 Case Number: 18 CH 12031 TJSC#: 39-6841 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff's attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Case # 18 CH 12031 I3155244 ____________________________

File No. 311145 Attorney Code.

43932 Case Number: 19 CH 11401 TJSC#: 40-1187 NOTE: Pursuant to the Fair Debt Collection Practices Act, you are advised that Plaintiff's attorney is deemed to be a debt collector attempting to collect a debt and any information obtained will be used for that purpose. Case # 19 CH 11401 I3155532 ____________________________

IN THE CIRCUIT COURT OF COOK COUNTY, ILLINOIS COUNTY DEPARTMENT - CHANCERY DIVISION LAKEVIEW LOAN SERVICING, LLC Plaintiff, -v.- DIANA GALVAN, ILLINOIS DEPARTMENT OF REVENUE, CITY OF CHICAGO, ILLINOIS HOUSING DEVELOPMENT AUTHORITY Defendants 19 CH 11401 2125 222ND PLACE SAUK VILLAGE, IL 60411 NOTICE OF SALE PUBLIC NOTICE IS HEREBY GIVEN that pursuant to a Judgment of Foreclosure and Sale entered in the above cause on February 27, 2020, an agent for The Judicial Sales Corporation, will at 10:30 AM on January 8, 2021, at The Judicial Sales Corporation, One South Wacker Drive, CHICAGO, IL, 60606, sell at a public sale to the highest bidder, as set forth below, the following described real estate: Commonly known as 2125 222ND PLACE, SAUK VILLAGE, IL 60411 Property Index No. 32-25412-021 The real estate is improved with a single family residence.

The judgment amount was $62,438.28. Sale terms: 25% down of the highest bid by certified funds at the close of the sale payable to The Judicial Sales Corporation. No third party checks will be accepted.

The balance, including the Judicial Sale fee for the Abandoned Residential Property Municipality Relief Fund, which is calculated on residential real estate at the rate of $1 for each $1,000 or fraction thereof of the amount paid by the purchaser not to exceed $300, in certified funds/or wire transfer, is due within twenty-four (24) hours. No fee shall be paid by the mortgagee acquiring the residential real estate pursuant to its credit bid at the sale or by any mortgagee, judgment creditor, or other lienor acquiring the residential real estate whose rights in and to the residential real estate arose prior to the sale. The subject property is subject to general real estate taxes, special assessments, or special taxes levied against said real estate and is offered for sale without any representation as to quality or quantity of title and without recourse to Plaintiff and in "AS IS" condition. The sale is further subject to confirmation by the court. Upon payment in full of the amount bid, the purchaser will receive a Certificate of Sale that will entitle the purchaser to a deed to the real estate after confirmation of the sale. The property will NOT be open for inspection and plaintiff makes no representation as to the condition of the property.

Prospective bidders are admonished to check the court file to verify all information. If this property is a condominium unit, the purchaser of the unit at the foreclosure sale, other than a mortgagee, shall pay the assessments and the legal fees required by The Condominium Property Act, 765 ILCS 605/9(g)(1) and (g)(4). If this property is a condominium unit which is part of a common interest community, the purchaser of the unit at the foreclosure sale other than a mortgagee shall pay the assessments required

by The Condominium Property Act, 765 ILCS 605/18.5(g-1).

IF YOU ARE THE MORTGAGOR (HOMEOWNER), YOU HAVE THE RIGHT TO REMAIN IN POSSESSION FOR 30 DAYS AFTER ENTRY OF AN ORDER OF POSSESSION, IN ACCORDANCE WITH SECTION 15-1701(C) OF THE ILLINOIS MORTGAGE FORECLOSURE LAW. You will need a photo identification issued by a government agency (driver's license, passport, etc.) in order to gain entry into our building and the foreclosure sale room in Cook County and the same identification for sales held at other county venues where The Judicial Sales Corporation conducts foreclosure sales. For information, Alexander Potestivo, POTESTIVO & ASSOCIATES, P.C. Plaintiff's Attorneys, 223 WEST JACKSON BLVD, STE 610, Chicago, IL, 60606 (312) 263-0003. Please refer to file number 311145. THE JUDICIAL SALES CORPORATION One South Wacker Drive, 24th Floor, Chicago, IL 60606-4650 (312) 236-SALE You can also visit The Judicial Sales Corporation at www.tjsc.com for a 7 day status report of pending sales. POTESTIVO & ASSOCIATES, P.C. 223 WEST JACKSON BLVD, STE 610 Chicago IL, 60606 312-263-0003 E-Mail: ilpleadings@potestivolaw.com Attorney

HUD/BANK FORECLOSURES CITY & SUBURBS Call: FRED D. CLINK (773) 294-5870 REALTY SERVICES CONSORTIUM ____________________________ 3+ Bedroom HOMES FOR SALE SELLER FINANCING Call: FRED D. CLINK (773) 294-5870 REALTY SERVICES CONSORTIUM ___________________________

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16 | CITIZEN | Suburban Times Weekly | Week of Dec. 9, 2020

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