Court Opinion

ID: 1057195
Source: CourtListenerOpinion
Date Created: 2013-10-09 16:36:02.107792+00
Date Added: 2024-06-11T13:14:43.125678
License: Public Domain

ILLINOIS OFFICIAL REPORTS
                                          Supreme Court

                           EMC Mortgage Corp. v. Kemp, 2012 IL 113419

Caption in Supreme          EMC MORTGAGE CORPORATION, Appellee, v. BARBARA J.
Court:                      KEMP, Appellant.

Docket No.                  113419

Filed                       December 28, 2012

Held                        There is no appellate jurisdiction to consider challenges to nonfinal orders
(Note: This syllabus        issued during the pendency of a foreclosure action, prior to entry of an
constitutes no part of      order approving sale and distribution; and no supreme court rule permits
the opinion of the court    the appeal of such orders.
but has been prepared
by the Reporter of
Decisions for the
convenience of the
reader.)

Decision Under              Appeal from the Appellate Court for the Second District; heard in that
Review                      court on appeal from the Circuit Court of Du Page County, the Hon.
                            Robert G. Gibson, Judge, presiding.

Judgment                    Appellate court judgment affirmed.
                            Appeal dismissed.
Counsel on               David G. Wentz, of Brooks, Tarulis & Tibble, LLC, of Naperville, for
Appeal                   appellant.

                         Edward J. Lesniak and Susan M. Horner, of Burke, Warren, MacKay &
                         Serritella, P.C., of Chicago, for appellee.

Justices                 JUSTICE FREEMAN delivered the judgment of the court, with opinion.
                         Chief Justice Kilbride and Justices Thomas, Garman, Burke, and Theis
                         concurred in the judgment and opinion.
                         Justice Karmeier dissented, with opinion.

                                           OPINION

¶1        The issue in this case is whether appellate jurisdiction exists to consider a challenge to
      an order issued during the pendency of a mortgage foreclosure action. Because appellate
      jurisdiction does not exist, we dismiss the appeal.

¶2                                          Background
¶3        In 2005, defendant Barbara Kemp mortgaged property at 1240 Hamilton Lane in
      Naperville to Maribella Mortgage, LLC, to secure payment of a note from Maribella.
      Maribella sold the loan to plaintiff, EMC Mortgage Corporation, in early 2006. The loan
      eventually fell into default, and EMC Mortgage filed, in the circuit court of Du Page County,
      a complaint to foreclose in July of that year. Over the course of the next two years, Kemp
      filed a series of counterclaims, all of which were dismissed. EMC Mortgage filed a motion
      for summary judgment, which was granted in April 2009. The circuit court entered a
      judgment of foreclosure on June 2, 2009, and EMC Mortgage scheduled a judicial sale in
      October.
¶4        Several weeks later, Kemp unsuccessfully moved for reconsideration of the April
      summary judgment order and to stay the judicial sale. The sale was later stayed by Kemp’s
      bankruptcy filing. The bankruptcy stay was subsequently lifted, and the sale was rescheduled
      to October 5, 2010. On the date the property was set for sale, Kemp filed an emergency
      motion to vacate judgment, erroneously invoking section 2-1401 of the Code of Civil
      Procedure. In this motion, Kemp argued that vacatur of the June 2009 judgment of
      foreclosure was proper and that once the judgment was vacated, EMC’s complaint should
      be dismissed pursuant to section 2-619 of the Code. Kemp also requested a stay of the sale.
¶5        A hearing was held on the emergency motion on October 5, at the conclusion of which
      the circuit court entered one of the orders that is the subject of this appeal. In the court’s
      order, the court, noting that EMC Mortgage did not object to a stay, granted a 45-day stay of

                                               -2-
       sale. However, the court denied Kemp’s motion to vacate the June 2009 judgment of
       foreclosure, along with Kemp’s motion to dismiss, adding Rule 304(a) language to the order.
¶6         Kemp next filed a second motion to reconsider on November 4, 2012. The court denied
       this motion, again adding Rule 304(a) language to its order, on November 16, 2010.
¶7         Kemp appealed. In her notice of appeal, Kemp sought review of the circuit court’s
       October 5 order, which denied her motion to vacate, as well as the court’s November 16
       order, denying her reconsideration. The appellate court dismissed the appeal for lack of
       appellate jurisdiction. 2011 IL App (2d) 101175-U.

¶8                                             Analysis
¶9          The Illinois Constitution confers on the appellate court jurisdiction to hear appeals from
       all final judgments entered in the circuit court. See Ill. Const. 1970, art. VI, § 6 (providing
       that appeals “from final judgments of a Circuit Court are a matter of right to the Appellate
       Court”). The Constitution also grants to this court the right to “provide by rule for appeals
       to the Appellate Court from other than final judgments.” Id. Accordingly, absent a supreme
       court rule, the appellate court is without jurisdiction to review judgments, orders or decrees
       which are not final. Flores v. Dugan, 91 Ill. 2d 108, 112 (1982); Village of Niles v. Szczesny,
       13 Ill. 2d 45 (1958).
¶ 10        In this case, Kemp appeals from the circuit court’s denial of her motion to vacate and her
       subsequent motion to reconsider that denial. The first problem with Kemp’s appeal is that
       the relief she sought under section 2-1401 is not even available to her, there being no final
       and appealable order entered in this case yet. See 735 ILCS 5/2-1401(a) (West 2010)
       (providing that “[r]elief from final orders and judgments, after 30 days from the entry
       thereof, may be had upon petition” (emphasis added)).
¶ 11        It is well settled that a judgment ordering the foreclosure of mortgage is not final and
       appealable until the trial court enters an order approving the sale and directing the
       distribution. In re Marriage of Verdung, 126 Ill. 2d 542, 555-56 (1989); Deutsche Bank
       National Trust Co. v. Snick, 2011 IL App (3d) 100436; GMB Financial Group, Inc. v.
       Marzano, 385 Ill. App. 3d 978, 982 (2008). The reason such a judgment is not final and
       appealable is because it does not dispose of all issues between the parties and it does not
       terminate the litigation. JP Morgan Chase Bank v. Fankhauser, 383 Ill. App. 3d 254, 260
       (2008); Marion Metal & Roofing Co. v. Mark Twain Marine Industries, Inc., 114 Ill. App.
3d 33, 35 (1983). Specifically, although a judgment of foreclosure is final as to the matters
       it adjudicates, a judgment foreclosing a mortgage, or a lien, determines fewer than all the
       rights and liabilities in issue because the trial court has still to enter a subsequent order
       approving the foreclosure sale and directing distribution. Fankhauser, 383 Ill. App. 3d at
       260; King City Federal Savings & Loan Ass’n v. Ison, 80 Ill. App. 3d 900, 901-02 (1980).
       Accordingly, it is the order confirming the sale, rather than the judgment of foreclosure, that
       operates as the final and appealable order in a foreclosure case. Id.
¶ 12        A second problem with Kemp’s appeal lies with the fact that, while a judgment of
       foreclosure is a final order, without Rule 304(a) language added to it, the judgment is not
       appealable. Verdung, 126 Ill. 2d at 555-56. Kemp did not seek to make the judgment of

                                                -3-
       foreclosure appealable under Rule 304(a).
¶ 13       Yet another problem with Kemp’s appeal is that the orders Kemp seeks review of—the
       denial of a motion to vacate based upon an inapplicable section of the Code of Civil
       Procedure and the denial of its reconsideration—are neither final nor appealable. Had the
       motion to vacate been properly brought under section 2-1401, Rule 304(b) would have
       conferred appellate jurisdiction. See Ill. S. Ct. R. 304(b) (eff. Feb. 26, 2010) (allowing
       appeals from orders granting or denying section 2-1401 relief). Rule 304(b) is, of course,
       inapplicable here, because Kemp’s motion to vacate was premature under section 2-1401.
¶ 14       Kemp concedes all of the above, but contends that the trial judge’s inclusion of Rule
       304(a) language to its orders of October 5 and November 16 bestows appellate jurisdiction
       on those orders. This contention is meritless. It is well settled that “the inclusion of the
       special finding in the trial court’s order cannot confer appellate jurisdiction if the order is in
       fact not final.” Crane Paper Stock Co. v. Chicago & Northwestern Ry. Co., 63 Ill. 2d 61, 66
       (1976); see also Martino v. Barra, 37 Ill. 2d 588, 594 (1967). The circuit court’s October 5
       denial of Kemp’s emergency motion to vacate is not a final order, nor is the November 16
       order denying reconsideration of the October 5 ruling.
¶ 15       Kemp’s final argument is that she is attempting to attack a void order and that a petition
       to vacate a void order may be made at any time, in any court, regardless of finality. This
       contention is also meritless. Generally, a void order can be attacked at any time by a person
       affected by it. People v. Flowers, 208 Ill. 2d 291, 308 (2003). This legal proposition,
       however, by itself, does not act to confer appellate jurisdiction on a reviewing court if such
       jurisdiction is otherwise absent. Id. Rather, the rule allows a party the ability to always raise
       the issue of whether an order is void in an appeal where appellate jurisdiction exists and the
       case is properly before the court of review. Id. As we have pointed out, there is no supreme
       court rule that permits the appeal of the nonfinal orders that Kemp has appealed in this case.

¶ 16                                       Conclusion
¶ 17      The appellate court correctly concluded that appellate jurisdiction is lacking in this case.
       The judgment of the appellate court is therefore affirmed, and the appeal is dismissed.

¶ 18       Appellate court judgment affirmed.
¶ 19       Appeal dismissed.

¶ 20       JUSTICE KARMEIER, dissenting:
¶ 21       The issue in this case is whether the appellate court had jurisdiction to consider a Rule
       304(a) appeal challenging a judgment of foreclosure and sale in residential mortgage
       foreclosure action. After the case was fully briefed, the appellate court concluded that
       jurisdiction was lacking and dismissed the homeowner’s appeal in an unpublished order
       pursuant to Supreme Court Rule 23 (Ill. S. Ct. R. 23 (eff. July 1, 2011)). For the following
       reasons, I would reverse the appellate court’s judgment and remand the cause to the appellate
       court for consideration of the appeal on the merits. I therefore respectfully dissent.

                                                  -4-
¶ 22                                      BACKGROUND
¶ 23        Barbara Kemp purchased a home in Naperville in 2005. To finance the purchase, Kemp
       took out a mortgage on the property in the amount of $863,200. A company known as
       Maribella Mortgage, LLC, was named as the lender. Mortgage Electronic Registration
       Systems, Inc. (MERS), as nominee for Maribella, was designated as the mortgagee. The
       mortgage documents indicated that mortgage was given to secure repayment of an adjustable
       rate promissory note given by Kemp to Maribella. Correspondingly, the adjustable rate
       promissory note listed Maribella as the lender.
¶ 24        When Kemp failed to make her scheduled mortgage payments, a company known as
       EMC Mortgage Corporation (EMC) initiated mortgage foreclosure proceedings in the circuit
       court of Du Page County. The complaint was filed on July 7, 2006, and included copies of
       both the mortgage (designated as Exhibit A) and promissory note (designated as Exhibit B).
       Although the complaint alleged that EMC was the “legal holder, agent or nominee of the
       legal holder, of the indebtedness,” nothing in the mortgage, the promissory note, or the
       complaint itself explained that company’s relationship, if any, to Maribella or MERS, the
       entities named in the actual mortgage and loan documents.
¶ 25        Kemp initially responded to the complaint by moving to dismiss for lack of in personam
       jurisdiction. That motion was subsequently stricken, and the court granted EMC leave “to
       issue an alias summons nunc pro tunc.” After being granted additional time to plead, Kemp
       filed a pro se answer in which she expressly denied EMC’s allegation that it was the “legal
       holder, agent or nominee of the legal holder, of the indebtedness.” Kemp also initiated
       discovery.
¶ 26        Kemp subsequently filed a pro se counterclaim challenging the inclusion of Kemp’s
       husband in the mortgage documents. EMC moved to dismiss, arguing that Kemp’s
       counterclaim failed to set forth any facts or legal theories under which EMC could be held
       responsible for the wrongful conduct and damages alleged by Kemp. EMC’s motion was
       granted, and the court dismissed the counterclaim with leave to amend.
¶ 27        When Kemp elected to file an amended counterclaim, EMC moved to dismiss and for
       imposition of sanctions. In support of its motion, EMC submitted an affidavit from one of
       its assistant vice presidents, Ashley Stephenson, attesting that EMC had no involvement in
       the origination or funding of Kemp’s loan and that, in fact, Maribella had not assigned the
       subject loan to EMC until December 29, 2006, more than five months after EMC filed this
       foreclosure action. A copy of the written assignment was appended. Although it was not
       executed until January 12, 2007, the document confirmed that December 29, 2006, was when
       EMC, described by Stephenson as “a mortgage banking company that specializes in the
       acquisition, securitization, servicing and disposition of residential loans,” had first acquired
       Kemp’s loan from Maribella.1

               1
                 The original promissory note executed by Kemp was endorsed in blank by Maribella’s
       treasurer. The endorsement, which is undated, was presumably added in anticipation of a sale and
       transfer of the mortgage by Maribella to some other party. As just indicated, however, Stephenson’s
       sworn statement established that EMC did not acquire Kemp’s loan from Maribella until December

                                                  -5-
¶ 28       Kemp, through her attorneys, responded to EMC’s motion to dismiss the amended
       counterclaim. In that response, Kemp asserted that EMC could not avoid responsibility for
       the wrongful acts alleged in the counterclaim on the grounds that it had no role in the loan
       transaction. The reason for that, Kemp contended, was that while Maribella rather than EMC
       extended the loan to Kemp, Maribella was acting as EMC’s agent in its dealings with Kemp
       and her husband.
¶ 29       EMC replied to Kemp’s response. After taking issue with the legal sufficiency of some
       of the allegations in Kemp’s amended counterclaim, EMC returned to the question of its
       involvement in the loan transaction. It reiterated that EMC had nothing to do with negotiating
       the terms of the agreement, preparing the relevant documents, or securing their execution.
       Because of that, it asserted, it had no culpability, in any capacity, for any of the improprieties
       alleged by Kemp.
¶ 30       The circuit court granted EMC’s motion to dismiss, but once again granted Kemp leave
       to replead, which she did. EMC, in turn, continued to challenge the sufficiency of Kemp’s
       allegations and the validity of her assertion that it should be held liable for Maribella’s
       actions based on principles of agency. The circuit court once again found EMC’s contentions
       meritorious and dismissed Kemp’s second amended counterclaim.
¶ 31       With the counterclaim thus dispatched, EMC moved for summary judgment on its
       complaint for foreclosure pursuant to section 2-1005 of the Code of Civil Procedure (735
       ILCS 5/2-1005 (West 2008)). The circuit court granted EMC’s motion and, on June 2, 2009,
       entered a written judgement for foreclosure and sale. Kemp’s motion to reconsider was
       denied, but sale of the subject property was stayed when Kemp filed for bankruptcy.
       Following various developments not relevant here, including dismissal of the bankruptcy
       proceedings, a sheriff’s sale of the property was scheduled for May 25, 2010. Prior to that
       date, Kemp successfully moved to continue the sale to give her the opportunity to effectuate
       a “short sale” of the property. That request was granted, and the sheriff’s sale was
       rescheduled for June 17, 2010. Shortly before that date, Kemp filed another motion to
       continue, reporting that she had found a buyer for the property and that an application to
       approve a short sale had been submitted to EMC and was pending. The circuit court denied
       Kemp’s motion and ruled that the sale could proceed. Kemp responded by filing new
       bankruptcy proceedings, which triggered another automatic stay. An entity now designated
       as “EMC/Chase Home Finance, LLC,” sought and obtained an order from the bankruptcy
       judge to lift that stay and permit the sale to go forward. With that development, the sheriff’s
       sale was rescheduled for October 5, 2010.
¶ 32       Prior to the October sale date, Kemp filed an emergency motion which, like the motion
       to reconsider she filed after the court entered its written order in June of 2009, challenged the
       judgment for foreclosure and sale. Kemp’s attack was two-pronged. First, invoking section
       2-1401 of the Code of Civil Procedure (735 ILCS 5/2-1401 (West 2008)), Kemp asserted that
       the judgment on EMC’s complaint for foreclosure should be vacated on the grounds that

       of 2006. There is no evidence in the record that EMC possessed any interest in the mortgage and
       related note prior to that time.

                                                  -6-
       EMC lacked standing. Second, relying on section 2-619(a)(9) of the Code of Civil Procedure
       (735 ILCS 5/2-619(a)(9) (West 2008)), Kemp asserted that because EMC lacked standing,
       its complaint for foreclosure and sale should be dismissed and the court’s written order of
       foreclosure and sale should be vacated. With respect to both avenues of attack, Kemp
       contended that, at minimum, the sale should be continued or cancelled until a determination
       could be made as to the whether EMC is the proper party to bring and maintain these
       proceedings and to receive the proceeds of any sale.
¶ 33        EMC filed no written objection to Kemp’s emergency motion, but a hearing on the
       motion was held on October 5, 2010. Counsel for EMC was present. EMC’s attorney
       protested the motion on the grounds that Kemp should have pressed her arguments regarding
       standing earlier in the proceeding. He did not, however, raise any technical objections to the
       form of the motion, and it is clear that the parties and the court understood that the purpose
       of the motion was to persuade the court to revisit and set aside its judgment of foreclosure
       and sale. At the conclusion of the hearing, the court agreed to stay the sale for an additional
       45 days, but refused to vacate the judgment of foreclosure and sale and to dismiss. In so
       doing, the circuit court made an express written finding pursuant to Supreme Court Rule
       304(a) (Ill. S. Ct. R. 304(a) (eff. Feb. 26, 2010)) that there was no just reason for delaying
       either enforcement or appeal.
¶ 34        Kemp asked the circuit court to reconsider denial of the foregoing motion. As grounds
       for relief, Kemp again raised the argument, echoing an assertion she had initially made in her
       answer to the complaint for foreclosure and sale, that the proceedings were fatally defective
       because EMC did not yet have any legally cognizable interest in the mortgage at the time the
       complaint was filed.
¶ 35        A hearing on the motion to reconsider was held November 16, 2010. At that hearing, the
       circuit court acknowledged that Kemp’s motion was “well done” and implicated problems
       with the foreclosure process which had been raised and were pending elsewhere in the United
       States, but noted that the only case law cited by Kemp for her position were from out of state.
       “In the absence of an Illinois authority,” the court ruled, “the motion [for reconsideration]
       is denied.” As it had in its order, the court then made an express written finding pursuant to
       Supreme Court Rule 304(a) that there was no just reason for delaying either enforcement or
       appeal.
¶ 36        Kemp filed a timely notice of appeal. The appellate court entered an order staying sale
       of Kemp’s home pending resolution of the appeal.2 While the appeal was pending, EMC
       moved to dismiss for lack of jurisdiction. Kemp filed an objection and the motion was
       denied.
¶ 37        After the case was fully briefed and taken under advisement, the appellate court
       reconsidered its position. It determined that it did lack jurisdiction and dismissed the appeal
       on that basis in an unpublished order entered pursuant to Supreme Court Rule 23 (Ill. S. Ct.
       R. 23 (eff. July 1, 2011)). 2011 IL App (2d) 101175-U. It is the propriety of that dismissal
       order that is now before us for review.

              2
               The appellate court’s stay remains in effect.

                                                  -7-
¶ 38                                          ANALYSIS
¶ 39        Whether the appellate court has jurisdiction to consider an appeal presents a question of
       law which we review de novo. Gardner v. Mullins, 234 Ill. 2d 503, 508 (2009); In re A.H.,
       207 Ill. 2d 590, 593 (2003).
¶ 40        At the core of Kemp’s appeal is the propriety of the circuit court’s judgment of
       foreclosure and sale, and its subsequent refusal to set that judgment aside. In order to
       understand how and when such judgments may be challenged on appeal, it is important to
       first understand how the foreclosure process works. Under Illinois law, a judgment of
       foreclosure does not end a mortgage foreclosure case. Upon entry of such a judgment, the
       Illinois Mortgage Foreclosure Law (735 ILCS 5/15-1101 et seq. (West 2010)) provides for
       the sale of the property once periods for reinstatement and redemption have expired. 735
       ILCS 5/15-1507 (West 2010). Following the sale, the person who conducted it makes a
       report to the court (735 ILCS 5/15-1508(a) (West 2010)), and, upon motion, the court holds
       a hearing to confirm the sale (735 ILCS 5/15-1508(b) (West 2010)). At the hearing, a
       defendant may contest the sale’s validity, though on limited grounds. Id. Only after
       confirmation of the sale and payment of the purchase price may the purchaser obtain a deed.
       735 ILCS 5/15-1509(a) (West 2010).3
¶ 41        The Illinois Mortgage Foreclosure Law does employ the term “judgment of foreclosure.”
       (Emphasis added.) See, e.g., 735 ILCS 5/15-1506(a)(2) (West 2010). And courts have
       sometimes said, somewhat confusingly perhaps, that a judgment ordering foreclosure is
       “final” as to the matters which must be adjudicated in order for the court to conclude that
       foreclosure was appropriate. See King City Federal Savings & Loan Ass’n v. Ison, 80 Ill.
       App. 3d 900, 901 (1980). As just noted, however, a judgment ordering foreclosure does not,
       in fact, dispose of all the issues between the parties and does not terminate the litigation. JP
       Morgan Chase Bank v. Fankhauser, 383 Ill. App. 3d 254, 260 (2008). It remains “modifiable
       by the trial court” (Santana v. Zipperstein, 142 Ill. App. 3d 386, 388 (1986)) and is strictly
       interlocutory (In re Hodges, 350 B.R. 796 (Bankr. N.D. Ill. 2006)). Under settled principles
       of appellate review, where a judicial ruling leaves matters in controversy unresolved and is
       interlocutory, it is not “final” for purposes of determining whether it is appealable. Smith v.
       Lewis, 85 Ill. App. 2d 246, 250 (1967).
¶ 42        In foreclosure proceedings such as this one, the court’s judgment does not become final
       and appealable until the sale has occurred and the court has entered orders approving the sale
       and directing the distribution. In re Marriage of Verdung, 126 Ill. 2d 542, 555 (1989);
       Deutsche Bank National Trust Co. v. Hall-Pilate, 2011 IL App (1st) 102632, ¶ 20.
       Correspondingly, it is the order confirming the sale, not the judgment of foreclosure, that is

               3
                 A mortgagor has the right to reinstate the mortgage by curing all defaults and paying the
       mortgagee’s costs and expenses within 90 days of the date all mortgagors submitted to the
       jurisdiction of the court. 735 ILCS 5/15-1602 (West 2010). A mortgagor also has a statutory right
       to redeem the property, a right that expires three months after entry of the foreclosure judgment or
       seven months after the mortgagor submitted to the jurisdiction of the court, whichever is later. 735
       ILCS 5/15-1603(b) (West 2010). Even after the statutory redemption right expires, a mortgagor has
       an equitable right of redemption until the foreclosure sale. 735 ILCS 5/15-1605 (West 2010).

                                                   -8-
       the final and appealable order in a foreclosure case. Marion Metal & Roofing Co. v. Mark
       Twain Marine Industries, Inc., 114 Ill. App. 3d 33, 35 (1983). Again, the judgment of
       foreclosure is merely interlocutory.
¶ 43       Under article VI, section 6, of the 1970 Illinois Constitution (Ill. Const. 1970, art. VI,
       § 6), litigants are not entitled to appeal from interlocutory orders of the circuit court as a
       matter of right. Rather, article VI, section 6, vests this court with the authority to provide for
       such appeals, by rule, as it sees fit. Ill. Const. 1970, art. VI, § 6. Except as specifically
       provided by those rules, the appellate court is without jurisdiction to review judgments,
       orders or decrees which are not final. Almgren v. Rush-Presbyterian-St. Luke’s Medical
       Center, 162 Ill. 2d 205 (1994); Flores v. Dugan, 91 Ill. 2d 108, 112 (1982). Contrary to the
       majority, however, I believe that the rules of our court do permit review under the
       circumstances present in this case.
¶ 44       While a judgment ordering foreclosure is not a final judgment for purposes of appeal, it
       is well established that an aggrieved property owner may nevertheless bring an immediate
       appeal from a foreclosure judgment where the circuit court has made a written finding under
       Supreme Court Rule 304(a) (Ill. S. Ct. R. 304(a) (eff. Feb. 26, 2010)) that there is no just
       reason for delaying either enforcement or appeal or both. In re Marriage of Verdung, 126 Ill.
2d at 555-56; JP Morgan Chase Bank v. Fankhauser, 383 Ill. App. 3d at 260.
¶ 45       In this case, the circuit court made such a finding not once, but twice. Although the initial
       Rule 304(a) finding was not made when the court first entered its judgment of foreclosure,
       the court did make the requisite finding when Kemper moved unsuccessfully to vacate and
       dismiss the judgment ordering foreclosure and then again when she sought reconsideration
       after her motion to dismiss and vacate was denied.
¶ 46       In the appellate court’s view, the finding made upon denial of Kemp’s motion to vacate
       and dismiss was ineffective because that motion invoked sections 2-619 and 2-1401 of the
       Code of Civil Procedure, and various technical obstacles preclude use of Rule 304(a)
       findings to secure review of orders denying relief under those particular statutory provisions.
       A majority of this court agrees with the appellate court’s approach, focusing, as the appellate
       court did, on the particular procedural mechanisms Kemp invoked to challenge the judgment
       of foreclosure rather than the substance of the relief she was requesting.4 In my view, this
       approach is misguided in light of the particular circumstances before us.
¶ 47       In previous cases, under similar circumstances, our court has emphasized that the
       character of the pleading should be determined from its content, not its label. Accordingly,
       when analyzing a party’s request for relief, courts should look to what the pleading contains,
       not what it is called. In re Haley D., 2011 IL 110886, ¶ 67; Sarkissian v. Chicago Board of
       Education, 201 Ill. 2d 95, 102 (2002). In her brief before our court, Kemp urges us to follow
       that approach here. Although the majority has elected not to address Kemp’s argument in its

               4
                 Invocation of section 2-1401was technically premature, as the majority notes, because there
       was not yet a final judgment. The problem with reliance on section 2-619, on the other hand, was
       that it was too late. Under the statute, such motions must be filed “within the time for pleading.” 735
       ILCS 5/2-619(a) (West 2010). Here, that time had passed.

                                                    -9-
       opinion, I believe the point she makes is meritorious.
¶ 48        An interlocutory order may be reviewed, modified, or vacated at any time before final
       judgment. Towns v. Yellow Cab Co., 73 Ill. 2d 113, 120-21 (1978); Kemner v. Monsanto Co.,
       112 Ill. 2d 223, 240 (1986). Accordingly, so long as the circuit court’s judgment of
       foreclosure remained interlocutory in this case, that is, until such time as the court confirmed
       the actual sale of the property, which it has not yet done, Kemp had the right to ask the circuit
       court to revisit the judgment and set it aside. Washington Mutual Bank, F.A. v. Archer Bank,
       385 Ill. App. 3d 427, 432 (2008). That is precisely what she sought to do when she filed her
       motion to vacate and dismiss. Whatever procedural problems may attend that motion, those
       issues were not raised by EMC’s counsel in the trial court or by the trial court itself, and the
       objective of the motion was clear and unambiguous to all concerned: to have the court
       reconsider and reject its prior ruling on the foreclosure judgment. The same is true of Kemp’s
       subsequent motion to reconsider the denial of her motion to vacate and dismiss. We may
       therefore properly treat both motions as motions to reconsider the judgment of foreclosure.
¶ 49        Kemp’s motion to vacate and dismiss did include allegations regarding timeliness and
       due diligence, criteria necessary to challenge a final judgment under section 2-1401. Those
       allegations, however, were unrelated to the substance of the relief she requested. They were
       included simply because Kemp believed, erroneously, that the foreclosure judgment was final
       and that section 2-1401was therefore the appropriate procedural mechanism for obtaining the
       relief she wanted. And while the motion to vacate and dismiss may have challenged the
       foreclosure judgment on different grounds from those asserted in the original motion to
       reconsider, that has no bearing whatever on whether it could, itself, qualify as a motion to
       reconsider.
¶ 50        As set forth above, the circuit court made the express written findings required under
       Supreme Court Rule 304(a) not only when it denied Kemp’s motion to vacate and dismiss
       on October 5, but also when it rejected her subsequent motion to reconsider that denial on
       November 16. Our appellate court has repeatedly held that an appeal from an order disposing
       of a motion to reconsider which contains a Rule 304(a) finding should be treated as having
       been intended to cover the original judgment (Relander v. Phoenix Mutual Life Insurance
       Co., 262 Ill. App. 3d 525, 528 (1994)), and that Rule 304(a) language which by its terms
       refers only to the postjudgment order denying the motion to vacate the original judgment may
       also be considered as intended to cover that underlying judgment so as to make that order,
       which was final but unappealable, appealable (Enblom v. Milwaukee Golf Development, 227
Ill. App. 3d 623, 628 (1992)). That a Rule 304(a) finding with respect to a motion to
       reconsider will suffice to bring the underlying order before the appellate court for review was
       also recently recognized by our own court in Kaufmann v. Schroeder, 241 Ill. 2d 194, 197
       (2011).
¶ 51        These are sound and reasonable principles, and I see no reason to deviate from them here.
       Because the requisite Rule 304(a) findings were made by the circuit court following entry
       of both its October 5 and November 16 orders, because those orders rejected what were
       tantamount to requests for reconsideration of the underlying judgment of foreclosure, and
       because Rule 304(a) findings with respect to denial of motions to reconsider are sufficient
       to render the underlying judgment immediately appealable where, as here, the underlying

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       judgment is itself of the type which can be immediately appealed under Rule 304(a), I would
       therefore hold that the appellate court erred when it held that it lacked jurisdiction to consider
       the merits of this case.
¶ 52       In reaching this result, I do not mean to suggest that recharacterization of parties’ motions
       should be done as a matter of routine. Whether and to what extent recharacterization is
       appropriate depends on the particular circumstances before us. We must always keep in
       mind, however, that pleadings are to be liberally construed with a view to doing substantial
       justice between the parties. See 735 ILCS 5/2-603(c) (West 2010). In my view, the majority
       fails to heed this overarching principle, elevating form over substance and to no good
       purpose. As soon as the mandate issues in this case and the matter returns to the circuit court,
       Kemp will be free to file another motion to reconsider the judgment of foreclosure and sale
       and denominate it as such. If that motion is denied, as it presumably will be, Kemp may
       again request that the court make the written findings required by Rule 304(a). There is no
       reason to believe that the circuit court will hesitate to do so, just has it has not hesitated to
       do so twice before. Once that occurs, the procedural problems perceived by the majority in
       this case will be eliminated, and Kemp will be free to proceed immediately back to the
       appellate court. The case will thus be in precisely the same posture it would be in if we
       simply acknowledged Kemp’s motion to vacate and dismiss and her motion to reconsider
       that denial for what they were intended to be: a request for the circuit court to reconsider and
       set aside the underlying foreclosure judgment. The only difference will be that additional
       time will have passed and the ultimate resolution of this appeal will have been further
       delayed. In a case that has already been pending for over six years, I struggle to see how such
       an outcome will serve either the parties or the interests of justice.
¶ 53       Although not mentioned in the majority’s opinion, there may be concern that allowing
       Kemp’s appeal to proceed immediately without first remanding to the circuit court may
       somehow do violence to long-standing rules of appellate jurisdiction. I believe that the
       foregoing discussion amply demonstrates that such concern is unfounded. Allowing the
       appeal to proceed on the merits is, in truth, entirely consistent with well-established
       principles of judicial review. But even if one is unpersuaded by my analysis, there is another
       alternative that would avoid the need for any discussion of the law at all. In the exercise of
       our supervisory authority, we could simply vacate the appellate court’s unpublished Rule 23
       order and order it to consider Kemp’s appeal on the merits. Surely that is a better outcome
       than requiring the parties and the circuit and appellate courts to proceed through additional
       formalities which are costly, time-consuming and may, in the end, be utterly meaningless.

¶ 54                                     CONCLUSION
¶ 55       For the foregoing reasons, I would reverse the appellate court’s judgment and remand the
       cause to the appellate court with directions to consider Kemp’s appeal on the merits. I
       therefore respectfully dissent.

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