Glowiak Hilton backs bill establishing 10-year limit on mortgage debt collection

State Sen. Suzy Glowiak Hilton (D-23rd) cast a Yes vote on SB2951, legislation establishing a 10-year period for collecting debts secured by mortgages, during the 104th General Assembly on May 31, 2026, the Illinois Senate reported. The bill was approved by a 58-0 vote in the Senate.

The official bill summary describes it as: "MORTGAGE FORECLOSURE TIME."

The information below explains the main provisions of the bill and, where necessary, interprets certain sections for clarity.

This measure requires actions to collect debts secured by a mortgage or deed of trust to be initiated within 10 years, bringing these limits in line with the current 10-year statute for foreclosing mortgages and similar written obligations. It updates probate procedures to state that if a decedent’s real estate is subject to a sale or mortgage proceeding, courts may not authorize a sale unless secured creditors can be paid in full, unless they consent to partial payment. In such cases, the bill holds that this sale is not vital for administering the estate. The legislation becomes effective immediately once enacted.

The legislative record for SB2951 shows 'House Committee Amendment No. 1 Senate Concurs.'

Glowiak Hilton completed her BA at Illinois Institute of Technology in 1983.

Glowiak Hilton, a Democrat, began serving in the Illinois State Senate in 2023 representing the 23rd District after succeeding Diane Pappas.

Every Illinois bill moves through a multi-step review process starting with its introduction in either the House or Senate, proceeding through committee discussions, floor debates, and passage by both chambers before submission to the governor for approval or veto. The General Assembly holds sessions on a two-year cycle; thousands of bills are filed each session, but only a select number complete the entire process required to become law.