The Rogers Law Group, NFP

Helping Families Keep their Home - through foreclosure defense, loan modification, and bankruptcy.

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Firm Overview

The Rogers Law Group is dedicated to assisting distressed homeowners through a three prong approach: foreclosure defense, loan modification, and bankruptcy. We also help homeowners with tax appeals, short sales, and avoidance of deficiency judgments in foreclosure.

The firm consists of 5 attorneys and 10 paralegals and support staff. Every member of The Rogers Law Group has a college degree and/or a paralegal certification.

The Rogers Law Group was established in 2009, although the principal attorneys have decades of real estate and applicable legal experience. Rick Rogers' practice for the past 10 years has been devoted to real estate, foreclosures, and mortgage default matters.

Example cases
Kondaur Capital Corporation v. Ross, Circuit Court of Cook County, Illinois, Case No. 09 CH 38848
Main Office

707 Lake Cook Road
Suite 312
Deerfield  IL  60015

  • (847) 607-8570


Free Initial Consultation?

Yes - involves a complete financial analysis and usually lasts about 2 hours

Services Offered For Fixed Fees?

We strive to maintain the lowest possible prices for the highest quality services.

We offer loan modification services at a fixed fee, a portion of which is refundable if we are not successful.

For foreclosure representation we work out a monthly retainer plan with the borrower.

Hourly Rates

In general, attorney time is billed at $300/hour.

Office Information

Office Hours

Monday through Friday 9:00 a.m. to 7:00 p.m. and Saturdays and Sundays by appointment only.

Office Manager

Katie-Lee Harrison

Emergency After Hours


Languages Spoken

Spanish is spoken by attorneys and paralegals.

With decades of legal experience in real estate, consumer bankruptcy and civil litigation, we provide compassionate guidance to people facing financial distress.
Whether facing foreclosure, contemplating bankruptcy or struggling to meet your monthly obligations, The Rogers Law Group can design a plan for a fresh start to a new financial and emotional life.

Loan Modifications
A loan modification can be any material change in the terms of a loan which can result in:
- reduced monthly payments
- a temporary forbearance of payments
- avoidance, postponement, or termination of foreclosure proceedings
- a reduction of principle balance
- agreement to future reductions for Short Sales or refinancing, restructuring of the loan.

The Financial Analysis
Modifications are based on and granted when borrowers meet certain financial guidelines. Gross income, monthly cash flow, & the property value factor into a sophisticated financial analysis used to determine whether a proposed modification makes the bank more money than foreclosing. Bottom line: you need to calculate these numbers accurately and know if you qualify to avoid being denied.

Defending a Foreclosure
Technical & equitable legal arguments can be used in foreclosure court to defend a homeowner and prevent the loss of their home in a foreclosure sale.

Defending a foreclosure can put pressure on the lender to negotiate a modification when the borrower has been denied in the past.
Defending a foreclosure can provide an opportunity for the borrower to obtain foreclosure alternatives outside of court such as a short sale, deed-in-lieu, or modification.

Mediation programs are available in certain counties to bring the borrower and the bank together to negotiate a modification or foreclosure alternative.

Defending a foreclosure can also prevent the lender from obtaining a personal deficiency judgment against the borrower if the property sells for less than the amount due at the foreclosure auction.

Types of Bankruptcy
The bankruptcy law provides an opportunity to start over. It can be used in conjunction with modification options and will stay foreclosure.

In a Chapter 7 case, an individual eliminates personal liability for most types of debts and keeps property that is within the amounts of the applicable exemptions. A person may not qualify for a Chapter 7 if he or she earns too much money or has recently received a Chapter 7 discharge.

In a Chapter 13, a debtor proposes a plan to pay off unsecured debts and arrearage on secured debts over three to five years. A Chapter 13 can be used to strip a 2nd mortgage for which there is no equity.

Short Sales/Deed-In-Lieu
If you do not wish to keep the property, you may be able to eliminate your liability by negotiating with the lender to accept a sales contract for less than the amount due or to accept the deed to the property in lieu of a foreclosure "cash for keys" options are sometimes available to offset moving costs.

The information contained herein is for educational and legal purposes and is not legal advice.

How did your firm decide on the primary area of practice(s)?

I read my first book on real estate in the 1970s. I was fascinated, and haven't considered any other career work since.

What is your firm's point of view regarding clients educating themselves on legal issues?

Clients should educate themselves on important legal issues impacting their lives.

Is your firm willing to review documents prepared by clients?

We can't assist others in the unlicensed practice of law. We will assist clients within that legal restraint.

Is your firm willing to coach clients who want to represent themselves?

We can't assist others in the unlicensed practice of law. We will assist clients within that legal restraint.

Rick Rogers

Prior to forming his own law firm in 2009, Rick was Director of Global Real Estate for a Fortune 100 Worldwide Healthcare Corporation. His entire professional career has been spent in real estate.

Rick is a member of The National Association of Consumer Advocates, The National Association of Bankruptcy Attorneys, The National Association of Realtors and Realtor Association of North West Chicagoland, and has been an active Real Estate Broker for over 20 years. Since 2003, his law and real estate practice has been devoted exclusively to mortgage default and foreclosure matters.

Rick's MBA, his Real Estate Broker License, a decades long career in real estate, a decade long career in the foreclosure arena, and his particular expertise in NPV analysis, (an important financial tool used for evaluation of foreclosure options)are the foundation of the firms loan modification model.

Personal interests:

Real Estate, family, sports.

  • Bar Number: 6192202
    Illinois , 1986
  • Loyola University of Chicago, School of Law
    JD , 1986
    Chicago, IL
  • Drake University
    Des Moines, IA
  • Elmhurst College
    Elmhurst, IL
    Business, Economics, Psychology

George Olsen

George Olsen is co-author of the Illinois Mortgage Foreclosure Law. There is no better person to have on your Foreclosure Defense Team than the one that wrote the law! George heads the Foreclosure Defense litigation group with over 20 years of experience in Mortgage Foreclosure law.

George is a former Partner at the International Law Firm of Baker & McKenzie. He is admitted to practice before the IL Supreme Court, the WI Supreme Court and the US Supreme Court. He was the Law Review Editor-in-Chief at DePaul University and he served as Captain in the US Air Force and is a Vietnam Veteran.

Rick and George recently spent time consulting with the Attorney General's office regarding the Department of Justice settlement with several of the major mortgage servicers.

Personal Interests
George is a huge U of I fan!
  • Bar Number: 2104202
    Illinois , 1974
  • University of Illinois
    Bachelor of Science
  • Chapman College
    Masters Degree
  • DePaul University
    Juris Doctor

Margaret Cahill

Since 1985 Margaret's practice has been concentrated in the area of residential real estate, loan modification, foreclosure defense, and bankruptcy. Here at Rogers Law Group, she heads the Short Sale and Real Estate Closing areas.

Margaret is a member of the Illinois Real Estate Lawyers Association. She has taught the real estate licensing class and speaks fluent Spanish.
  • Bar Number: 3121594
    Illinois , 1978
  • Marquette University
    Bachelor of Arts
  • Chicago-Kent College of Law
    Juris Doctor
  • Georgetown Law Center
    Master of Laws

Michael Goldberg

Michael is admitted to practice in the State of Illinois. He is a member of the Illinois Bar Association and the Chicago Bar Association. He is also a licensed real estate broker.

Michael concentrates his practice in the areas of foreclosure defense, loan modification, and consumer bankruptcy.

He has litigation experience in the Northern Illinois Counties, including Lake County, McHenry County, Kane County, Kendall County, Boone County, DuPage County and Cook County.

Before joining the Rogers Law Group, Michael clerked at the 19th Judicial Circuit Court of Illinois in Waukegan.
  • Bar Number: 6309094
  • The John Marshall Law School
    Juris Doctor
  • Beloit College
    Bachelor of Arts

* Nolo has confirmed that every member attorney has a valid license and is in good standing with the state agency that licenses lawyers. Any past disbarments and suspensions (with possible exceptions for minor violations or nonpayment of dues, in our discretion) will be indicated accordingly in the badge. Member attorneys are required to notify Nolo immediately if they become the subject of any disciplinary action by any state licensing agency.


Foreclosure Presentation for the city of Waukegan