In Illinois, the standard foreclosure process is:

Non-judicial foreclosure is not available as the standard process in Illinois because Illinois mortgages do not contain a power-of-sale clause, which is the contractual prerequisite for bypassing the courts; without such a clause, lenders have no legal authority to sell the property without a court order.

Strict foreclosure is a historical remedy used in very few states (primarily Connecticut and Vermont) in which the court sets a deadline for the borrower to pay, and if they fail, the lender automatically receives title without a sale; Illinois does not use strict foreclosure and instead requires a public judicial sale after obtaining a foreclosure judgment.

Power of sale is a clause in a deed of trust that authorizes non-judicial foreclosure, but since Illinois uses mortgages rather than deeds of trust as its standard security instrument, power-of-sale clauses are not part of Illinois residential lending practice, making this option inapplicable to the state.