About Us

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Arthur C. Czaja

After graduating DePaul University College of Law magna cum laude, Arthur started his own solo practice on the Northwest side of Chicago focusing on real estate transactions, real estate litigation, bankruptcy and mortgage foreclosure defense. Arthur has also served as co-counsel in numerous consumer class action lawsuits involving improper mortgage servicing practices and consumer debt collection abuses. 


Arthur has done what some said was impossible and has defended and won numerous mortgage foreclosure cases for his clients throughout trial courts in Illinois, in the Illinois Appellate Court and in the Illinois Supreme Court.  Arthur prides himself in taking on cases that other say cannot be won. 


He has also represented hundreds of homeowners in Illinois in the defense of mortgage foreclosure actions resulting in many loan modification agreements and favorable settlements.


Arthur has also assisted hundreds of clients and in restructuring their debts in Chapter 13 Bankruptcy cases and eliminating their debt through Chapter 7 Bankruptcy cases. 


Arthur has successfully appealed cases and secured important victories in the Appellate Court.  Arthur was able to get a mortgage foreclosure case dismissed and reversed the trial court's grant of summary judgment in favor of the bank in the Illinois Appellate Court's decision in Banco Popular North America v. Gizynski, 2015 IL App (1st) 142871.   


Arthur also was able to get a lawsuit on a promissory note dismissed and reversed the trial court order granting summary judgment in favor of the bank in First Midwest Bank v. Cobo, 2017 IL App (1st) 170872.   This case started off as a mortgage foreclosure case which was dismissed, followed by a lawsuit on the same promissory note which was also dismissed.  When the bank filed its third lawsuit, Arthur successfully argued that "enough was enough" and the bank had filed and dismissed its lawsuit one too many times.


In September of 2018, Arthur argued the Cobo case in the Illinois Supreme Court and on November 29, 2018, he won, finally concluding the litigation for his clients in the Supreme Court's decision in First Midwest Bank v. Cobo, 2018 IL 123038.  Arthur is one of only  a handful of foreclosure defense lawyers to have appeared before the Illinois Supreme Court and won. 


Arthur also represented a condominium association in the Illinois Appellate Court and secured an important victory for his client, a small condominium association, in a David v. Goliath style litigation versus the Government Sponsored Entity ("GSE") Fannie Mae in Andersonville South Condominium Ass'n v. Federal National Mortgage Co., 2017 IL App (1st) 161875. 


Arthur has been named a Rising Star by Super Lawyer magazine (an award given to no more than 2.5% of all lawyers in Illinois) in 2014, 2016, 2017 and 2018. He has also been named an Emerging Lawyer by Leading Lawyer publication (an award given to no more than 2.0% of all lawyers in Illinois) in 2015, 2016, 2017 and 2018. 


Married to his high school sweetheart, Arthur lives in Mount Prospect, IL with his three beautiful children Zach, Brooke and James. When he is not working, Arthur enjoys spending time with his family, running and playing golf.  

We are currently investigating issues involving the following entities and business practices:

  1. DITECH FINANCIAL, LLC;
  2. NATIONSTAR MORTGAGE, LLC;
  3. OCWEN LOAN SERVICING, LLC;
  4. CALIBER HOME LOANS; 
  5. CHAMPION MORTGAGE COMPANY; 
  6. Fair Debt Collections Practices Act;
  7. Real Estate Settlement and Procedures Act (RESPA); 
  8. Truth in Lending Act (TILA);
  9. Force-placed insurance;
  10. Late fees charged to your mortgage account;
  11. Judicial foreclosure sales;
  12. Reverse mortgage loans;
  13. FHA insured mortgage loans 



If you live in Illinois and have an issue with any of the above companies or business practices and would like to discuss your situation, please give us a call.  

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