Court Opinion

ID: 9839614
Source: CourtListenerOpinion
Date Created: 2023-09-13 16:05:22.249523+00
Date Added: 2024-06-11T09:40:58.515040
License: Public Domain

2023 IL App (1st) 221398-U
                                              No. 1-22-1398
                                      Order filed September 13, 2023
                                                                                          Third Division

 NOTICE: This order was filed under Supreme Court Rule 23 and is not precedent except in the
 limited circumstances allowed under Rule 23(e)(1).
 ______________________________________________________________________________
                                                 IN THE
                                    APPELLATE COURT OF ILLINOIS
                                FIRST DISTRICT
 _____________________________________________________________________________

 LEVADA JOHNSON, MARY JOHNSON, and                              )      Appeal from the
 DOROTHY YATES,                                                 )      Circuit Court of
                                                                )      Cook County
           Plaintiffs-Appellants,
                                                                )
                                                                )      No. 20 CH 7462
     v.
                                                                )
                                                                )      Honorable
 AMERICAN ADVISORS GROUP,
                                                                )      Caroline K. Moreland,
           Defendant-Appellee.                                  )      Judge, Presiding.

           JUSTICE R. VAN TINE delivered the judgment of the court.
           Presiding Justice Reyes and Justice Lampkin concurred in the judgment.

                                               ORDER

¶1        Held: We affirm the circuit court’s dismissal of plaintiffs’ amended complaint because
                their claims are barred by the statute of limitations.

¶2        Plaintiffs Levada Johnson, Dorothy Yates, and Mary Johnson appeal from the dismissal of

their amended complaint pursuant to section 2-619(a)(5) of the Code of Civil Procedure (735 ILCS
No. 1-22-1398

5/2-619(a)(5) (West 2020)). 1 The circuit court dismissed plaintiffs’ claims for declaratory

judgment as barred by the general civil five-year statute of limitations pursuant to section 13-205

of the Code. Id. § 13-205. On appeal, plaintiffs argue that the circuit court erred because the statute

of limitations does not apply to their declaratory judgment claims. They also argue that even if the

statute of limitations applies, the discovery rule and continuing violation rule tolled the statute of

limitations. For the following reasons, we affirm.

¶3                                       I. BACKGROUND

¶4      Plaintiffs allege defendant American Advisors Group (AAG), among others, and one of its

agents, Mark Diamond, engaged in a fraudulent reverse mortgage scheme to take plaintiffs’

homes. 2 Diamond is a formerly licensed mortgage broker and home improvement contractor; AAG

is a provider of reverse mortgages. A reverse mortgage is a loan secured by a homeowner's equity

in their real property. 765 ILCS 945/5 (West 2020). The homeowner is not required to pay the loan

back until the entire loan has been disbursed. Id. If the homeowner is unable to pay the loan back

at the time the loan becomes due, the lender may seek foreclosure and take possession of the home.

Id.

¶5      Plaintiffs filed their initial complaint on December 23, 2020, and filed an amended

complaint on July 16, 2021. Essentially, plaintiffs sought declaratory judgment that their reverse

mortgages were void because they were fraudulently procured. They also requested an order

directing defendants to return the titles to plaintiffs’ homes.

        1
            Because Levada Johnson and Mary Johnson share the same last name, we refer to plaintiffs by
their first names.
          2
            Diamond is not party to this appeal and his agency status is not at issue here.

                                                  -2-
No. 1-22-1398

¶6     Levada alleged that, in the spring of 2013, Diamond offered to renovate her home at no

cost, purportedly pursuant to a federal program that would pay for the renovations. In the summer

of 2013, she signed documents that Diamond claimed were necessary to participate in the program.

One of these documents was a reverse mortgage with AAG that Levada signed on July 11, 2013.

According to Levada, when AAG issued a reverse mortgage payment check to her, Diamond

demanded that she sign it over to him. Levada signed the check over to Diamond because Diamond

claimed Levada would have to pay for the home renovations herself if she refused. Levada alleged

Diamond did not complete renovations to her home and later learned that the home renovation

reimbursement program that Diamond described did not exist.

¶7     Dorothy alleged that Diamond proposed she finance the renovation of her closets and

kitchen floor with a reverse mortgage. Dorothy signed a reverse mortgage during a meeting with

Diamond on August 12, 2015. According to Dorothy, Diamond did not explain the details of what

she was signing, nor did he fully explain the reverse mortgage process. Diamond only told Dorothy

that she would receive money every year from the reverse mortgage. When Dorothy asked

Diamond why she was not receiving reverse mortgage payments, Diamond claimed the money

was funding renovations to her home. Dorothy alleged that Diamond renovated her closet and

kitchen floor, but did so with poor workmanship.

¶8     Mary alleged that, in 2014, Diamond offered to provide free home renovations if she signed

certain paperwork. On October 8, 2014, Mary signed a reverse mortgage with a mortgage lender

called Top Flite, which was later transferred to AAG. Mary also alleged that Diamond “filed a

construction contract” against her house before the reverse mortgage closing. On October 15,

2014, Mary signed a document that assigned $30,900 of her reverse mortgage payments to Peszko

                                              -3-
No. 1-22-1398

Construction, a company that Diamond owned. Mary alleged that Diamond performed incomplete

and low-quality work on her home.

¶9        AAG moved to dismiss plaintiffs’ claims pursuant to section 2-619.1 of the Code of Civil

Procedure. 3 735 ILCS 5/2-619.1 (West 2020). Relevant here, AAG argued the circuit court should

dismiss plaintiffs’ claims pursuant to section 2-619(a)(5) (735 ILCS 5/2-619(a)(5) (West 2020))

because the five-year statute of limitations for fraud claims applied to plaintiffs’ declaratory

judgment claims premised on allegations of fraud. Specifically, AAG argued that the statute of

limitations on Levada’s claims began to run no later than July 2013, when she signed her reverse

mortgage check over to Diamond, and expired in July 2018. AAG contended that the statute of

limitations on Dorothy’s claims began to run no later than August 2015, when she asked Diamond

why she was not receiving reverse mortgage payments, and expired in August 2020. AAG asserted

that the statute of limitations on Mary’s claims began to run when she signed her reverse mortgage

on October 8, 2014, and failed to investigate further after Diamond did not make any repairs in

2015. According to AAG, the statute of limitations on Mary’s claims expired in 2020 at the latest.

¶ 10      Levada and Dorothy argued that the statute of limitations did not apply to their declaratory

judgment claims because those claims were preemptive affirmative defenses to foreclosure actions

they anticipated AAG would file against them. They further argued that, even if the statute of

limitations did apply, they timely filed their complaint because they did not discover that

defendants had defrauded them until July 2016, when a court ordered Diamond to pay restitution

to other victims. Pursuant to the discovery rule, Levada and Dorothy assert that the five-year statute

          3
              Only AAG moved to dismiss the claims now on appeal. Diamond did not take part in AAG’s
motion.

                                                    -4-
No. 1-22-1398

of limitations on their claims did not expire until July 2021. Levada and Dorothy also argued that

the continuing violation rule tolled the statute of limitations because their reverse mortgages were

still in effect. Mary contended that the discovery rule tolled the statute of limitations on her claims

and requested leave to plead additional facts regarding when she discovered defendants’ fraud. 4

¶ 11    The circuit court rejected Levada and Dorothy’s argument that the statute of limitations did

not apply to their declaratory judgments claims. The court explained that “ample Illinois case law”

applied the five-year statute of limitations to declaratory judgment actions, citing Toushin v.

Ruggiero, 2015 IL App (1st) 143151, ¶ 47. The court determined that the general civil five-year

statute of limitations applied to declaratory judgment actions premised on fraud. The court held

that the statute of limitations on Levada’s claims started to run in July 2013, when she discovered

that Diamond induced her into obtaining a reverse mortgage and then signed her reverse mortgage

check over to him. The court also held that the statute of limitations started to run on Dorothy’s

claims on August 12, 2015, and that it started to run on Mary’s claims on October 8, 2014, when

they signed their reverse mortgages. Because plaintiffs filed their initial complaint on December

23, 2020, more than five years after the statutes of limitations began to run, the circuit court found

plaintiffs’ claims were untimely.

¶ 12    Plaintiffs filed a motion to reconsider. 5 They argued that the court failed to construe their

declaratory judgment claims as affirmative defenses to which the statute of limitations did not

apply and erroneously treated those claims as common-law fraud claims. Additionally, plaintiffs

        4
          However, Mary failed to provide a proposed amendment. Although the circuit court did not
address her request, she did not bring up her request again, either in her motion to reconsider or on appeal.
        5
          Plaintiffs also requested leave to plead a claim to quiet title in a footnote to the motion to
reconsider. To the extent that plaintiffs now ask for leave to add such a claim, they have forfeited that
argument because they raised it for the first time in their motion to reconsider. See Vantage Hospital
Group, Inc. v. Q Ill Development, LLC, 2016 IL App (4th) 160271, ¶ 47.

                                                    -5-
No. 1-22-1398

contended there were “question[s] of material fact” about when they discovered that AAG and

Diamond defrauded them. AAG argued that plaintiffs’ declaratory judgment claims were not

affirmative defenses because they sought relief; namely, voiding the reverse mortgages. In the

alternative, AAG contended that, even if the declaratory judgment claims were affirmative

defenses, they were subject to the same five-year statute of limitations as common-law fraud

claims. AAG also argued that the circuit court correctly applied the discovery rule based on the

dates alleged in plaintiffs’ amended complaint.

¶ 13   The circuit court denied plaintiffs’ motion to reconsider and explained that it “determined

that each of the plaintiffs knew or reasonably should have known that they were executing reverse

mortgages more than five years before” filing suit. The court clarified that it applied the five-year

statute of limitations for common-law fraud to plaintiffs’ fraud-based declaratory judgment claims

and rejected plaintiffs’ argument that the declaratory judgment claims were “affirmative defenses.”

It explained that plaintiffs only cited cases which addressed affirmative defenses raised by

defendants in response to being sued, not declaratory judgment actions brought by plaintiffs. The

court reasoned that, although the Code of Civil Procedure allows a defendant to “plead a set-off or

counterclaim barred by the statute of limitations,” it does not allow a plaintiff to plead a claim

barred by the statute of limitations. 735 ILCS 5/13-207 (West 2020).

¶ 14   Plaintiffs timely appealed.

¶ 15                                      II. ANALYSIS

¶ 16   On appeal, plaintiffs contend that the circuit court erred in granting AAG’s motion to

dismiss. Specifically, plaintiffs argue that the statute of limitations does not apply to their

declaratory judgment claims because those claims are preemptive affirmative defenses to

                                                -6-
No. 1-22-1398

anticipated foreclosure actions. Plaintiffs also contend that the discovery rule and the continuing

violation rule tolled the statute of limitations on their claims.

¶ 17    The circuit court dismissed plaintiffs’ claims pursuant to section 2-619(a)(5) of the Code

of Civil Procedure. A motion to dismiss pursuant to section 2-619(a)(5) asserts that “the action

was not commenced within the time limited by law,” i.e., that the claim is barred by the statute of

limitations. 735 ILCS 5/2-619(a)(5) (West 2020). In deciding a motion to dismiss, the circuit court

must construe all pleadings and supporting documents in the light most favorable to the nonmoving

party and must accept as true all well-pled facts in the complaint, as well as any reasonable

inferences from those facts. See Hermitage Corp. v. Contractors Adjustment Co., 166 Ill. 2d 72,

85 (1995). We review the dismissal of claims pursuant to section 2-619(a)(5) de novo, meaning

that we perform the same analysis as the circuit court. See Raintree Homes, Inc. v. Village of Long

Grove, 209 Ill. 2d 248, 254 (2004); see also Travelers Casualty & Surety Co. v. Bowman, 229 Ill.

2d 461, 466 (2008) (applicability of statute of limitations reviewed de novo).

¶ 18                               A. Applicability of the Statute of Limitations

¶ 19    Plaintiffs first argue that their declaratory judgment claims are, in fact, preemptive

affirmative defenses to foreclosure actions that AAG will inevitably file against them, so the statute

of limitations does not apply at all. 6 Plaintiffs contend that AAG will likely seek to foreclose on

the reverse mortgages when they die because AAG has pursued foreclosure actions against other

plaintiffs in similar circumstances. See, e.g., American Advisors Group v. Williams, 2022 IL App

(1st) 210734, ¶ 3 (AAG’s foreclosure action against the estate of Walker Williams Sr., deceased);

American Advisors Group v. Cockrell, 2020 IL App (1st) 190623, ¶ 12 (AAG’s foreclosure action

        6
            AAG has not filed foreclosure actions against any of the three plaintiffs.

                                                      -7-
No. 1-22-1398

against Bruce Cockrell’s widow, Eloise). On the one hand, plaintiffs assert that they are not seeking

any affirmative relief beyond clarifying their property rights and defeating AAG’s eventual

foreclosure actions. However, they also ask the court to declare the reverse mortgages were

fraudulently induced and void and to direct defendants return the titles to plaintiffs’ homes.

¶ 20   As an initial matter, we note that Mary did not raise this argument in her response to AAG’s

motion to dismiss. Rather, she raised it for the first time in plaintiffs’ motion to reconsider. A

plaintiff may not raise a new legal theory for the first time in a motion to reconsider after her

complaint is dismissed. Evanston Insurance Co. v. Riseborough, 2014 IL 114271, ¶ 36. Mary has

forfeited this argument. We address this argument with respect to only Levada and Dorothy.

¶ 21   A declaratory judgment action under section 2–701 of the Code of Civil Procedure allows

the circuit court to “make binding declarations of rights, having the force of final judgments.” 735

ILCS 5/2–701 (West 2020). Declaratory judgment actions require “ ‘(1) a plaintiff with a legal

tangible interest; (2) a defendant having an opposing interest; and (3) an actual controversy

between the parties concerning such interests.’ ” Toushin, 2015 IL App (1st) 143151, ¶ 44 (quoting

Beahringer v. Page, 204 Ill. 2d 363, 372 (2003)). As noted above, plaintiffs contend that their

declaratory judgment claims are actually affirmative defenses to AAG’s eventual foreclosure

actions. An affirmative defense admits the legal sufficiency of a plaintiff’s claim but asserts new

matter that defeats the claim. Northbrook Bank & Trust Co. v. 2120 Division LLC, 2015 IL App

(1st) 133426, ¶ 14.

¶ 22   We find that plaintiffs’ declaratory judgment claims are not affirmative defenses because

they seek relief beyond defeating AAG’s anticipated foreclosure actions. See Carmichael v. Union

Pacific R.R. Co., 2019 IL 123853, ¶ 26 (affirmative defenses seek only to defeat a plaintiff’s cause

                                                -8-
No. 1-22-1398

of action; claims and counterclaims seek affirmative relief). Plaintiffs’ claims are essentially

claims for fraud and recission of contract because they asked the circuit court to find that AAG

committed fraud and to rescind the reverse mortgages on that basis. See 23-25 Building

Partnership v. Testa Produce, Inc., 381 Ill. App. 3d 751, 757 (2008) (contracts induced by fraud

are voidable via recission). Merely because plaintiffs titled their claims “affirmative defenses”

does not convert them into such. The claims pled are essentially claims of fraud. See Toushin,

2015 IL App (1st) 143151, ¶ 46 (the nature of a plaintiff’s injury determines the appropriate statute

of limitations to apply); Madigan v. Yballe, 397 Ill. App. 3d 481, 488 (2009) (courts look at the

“true character of a plaintiff's cause of action”). Civil fraud claims are subject to a five-year statute

of limitations. 735 ILCS 5/13–205 (West 2020); DeSantis v. Brauvin Realty Partners, Inc., 248

Ill. App. 3d 930, 933-34 (1993) (applying section 13-205 to actions in fraud and breach of fiduciary

duty). That is the statute of limitations applicable to plaintiffs’ claims in this case.

¶ 23    Plaintiffs argue that they do not seek to hold AAG liable for fraud. However, recission of

their reverse mortgages on the basis of fraud requires a finding that AAG defrauded them. See

Testa Produce, Inc., 381 Ill. App. 3d at 758 (rescission of fraudulently induced contract requires

proving a false statement of material fact, known or believed to be false by the party making it).

Moreover, the relief that plaintiffs seek – rescission of contract – is a civil cause of action, not an

affirmative defense. Id. at 757. A claim for declaratory relief cannot be conflated with an

affirmative defense, as plaintiffs attempt to do in this case. See Stivers v. Bean, 2014 IL App (4th)

130255, ¶ 37 (explaining distinction between declaratory judgment claims and affirmative

defenses). Even assuming that plaintiffs’ claims are preemptive affirmative defenses, plaintiffs cite

no Illinois authority holding that statutes of limitations do not apply to declaratory judgment

                                                  -9-
No. 1-22-1398

actions that assert affirmative defenses to anticipated litigation. Although plaintiffs cite federal

cases for this argument, “as a general rule, decisions of federal district or circuit courts are not

binding on Illinois courts.” Prodromos v. Everen Securities, Inc., 389 Ill. App. 3d 157, 175 (2009).

Accordingly, the circuit court correctly determined that the five-year statute of limitations applies

to plaintiffs’ claims.

¶ 24                            B. Statute of Limitations and Tolling

¶ 25    Having concluded that plaintiffs’ claims are subject to a five-year statute of limitations, we

must next decide if the five-year limitations period had expired when plaintiffs filed their initial

complaint on December 23, 2020.

¶ 26    As explained above, a plaintiff must file a civil claim of fraud within five years of when

the plaintiff knew or reasonably should have known that she was defrauded. 735 ILCS 5/13–205

(West 2020); see also DeSantis, 248 Ill. App. 3d at 933-34. A plaintiff knows or reasonably should

know of wrongdoing when she possesses sufficient information concerning her loss and its cause

to put a reasonable person on notice to inquire further. Hermitage Corp., 166 Ill. 2d at 85-86.

¶ 27    Levada signed her reverse mortgage on July 11, 2013, Dorothy on August 12, 2015, and

Mary on October 8, 2014. Under the five-year statute of limitations, Levada had to file her

complaint by July 11, 2018, Dorothy by August 12, 2020, and Mary by October 8, 2019. All three

plaintiffs filed their initial complaint on December 23, 2020, after the five-year limitations period

expired. Therefore, plaintiffs’ claims are untimely. However, plaintiffs contend that the discovery

rule and the continuing violation rule toll the start of the limitations period on their claims. For the

reasons that follow, neither rule tolls the five-year statute of limitations on plaintiffs’ claims. The

circuit court properly dismissed plaintiffs’ claims as barred by the statute of limitations.

                                                 - 10 -
No. 1-22-1398

¶ 28                                      1. Discovery Rule

¶ 29    Plaintiffs argue that the discovery rule tolls the statute of limitations on their claims.

Specifically, Dorothy and Levada claim that the earliest they could have discovered Diamond and

AAG’s fraudulent scheme was on July 11, 2016, when the circuit court of Cook County ordered

Diamond to pay restitution to other victims of fraud in People v. United Construction of America,

Inc., No. 09-CH-33398 (Cir. Ct. Cook County, July 11, 2016). Mary does not indicate when she

discovered that Diamond and AAG defrauded her and does not claim that the July 11, 2016,

restitution order caused her to discover that she had been defrauded.

¶ 30    The discovery rule provides that the statute of limitations does not begin running until a

plaintiff knows or reasonably should know that she has suffered a loss and that her loss was

wrongfully caused. Hermitage Corp., 166 Ill. 2d at 77. A plaintiff asserting the discovery rule has

the burden of proving the date of discovery and “must provide enough facts to avoid application

of the statute of limitations.” Id. at 84-85. Although the determination of when the statute of

limitations begins to run is usually a question of fact, the court may rule on it as a question of law

if the facts are undisputed. Id. at 85. AAG does not dispute the dates pled in plaintiffs’ complaint,

so this analysis is a question of law. See id.

¶ 31    Levada and Dorothy’s contention that they discovered that they had been defrauded on

July 11, 2016, was never pled in their complaint. The complaint does mention that the circuit court

ordered Diamond to pay other victims restitution in another case on that date, but it does not allege

that plaintiffs were even aware of that order, much less that the order caused them to discover their

own reverse mortgages were fraudulent. There are no specific facts alleged regarding when

plaintiffs knew or should have known of their injuries. Levada claims that she discovered she had

                                                 - 11 -
No. 1-22-1398

a reverse mortgage at some unspecified point in time after signing it. Dorothy alleges that she

knew she signed a reverse mortgage on August 12, 2015, but Diamond “did not explain the details

of the paperwork nor the mortgage process.” Mary fails to allege any facts as to when she could

have discovered she had been defrauded. Illinois is a fact-pleading jurisdiction and conclusions of

fact or law must be supported by allegations of specific facts. Hanks v. Cotler, 2011 IL App (1st)

101088, ¶ 17. Plaintiffs have not met their burden in establishing that the discovery rules applies.

They offer only conclusions unsupported by specific facts. See Hermitage Corp., 166 Ill. 2d at 84-

85; Kielminski v. St. Anthony's Hospital, 68 Ill. App. 3d 407, 408–09 (1979) (affirmed dismissal

of the plaintiff’s complaint because the plaintiff failed to specifically allege when she knew or

reasonably could have discovered the alleged injury, and the record did not have “any other date

pleaded as to knowledge”).

¶ 32   Plaintiffs argue that there are disputes of fact as to when they discovered that they had been

defrauded. The record does not support this claim. AAG’s motion to dismiss did not dispute any

of the relevant dates in plaintiffs’ complaint. Rather, AAG’s statute of limitations argument was

based entirely on the dates of events as plaintiffs alleged them. In response to the motion, plaintiffs

did not submit additional material that created disputes of fact about the relevant dates in this case.

Moreover, the cases that plaintiffs cite in support of their insistence that there are disputes of fact

are distinguishable and do not compel reversal. See, e.g., Nolan v. Johns-Manville Asbestos, 85

Ill. 2d 161, 171 (1981) (depositions, expert reports, and other exhibits raised questions of fact at

summary judgment); Young v. McKiegue, 303 Ill. App. 3d 380, 390 (1999) (medical records and

deposition testimony raised questions of fact); LaManna v. G.D. Searle & Co., 204 Ill. App. 3d

211, 220 (1990) (depositions and affidavits raised questions of fact at summary judgment);

                                                - 12 -
No. 1-22-1398

Bashton v. Ritko, 164 Ill. App. 3d 37 (1987) (deposition testimony raised questions of fact);

Zimmerman v. Northfield Real Estate, Inc., 156 Ill. App. 3d 154, 167 (1986) (dismissal pursuant

to section 2-615, which does not concern questions of fact).

¶ 33    Plaintiffs also argue that the circuit court erroneously relied on PSI Resources, LLC v. MB

Financial Bank, National Ass’n, 2016 IL App (1st) 152204, in applying the discovery rule.

However, they have forfeited this argument because they raised it for the first time in their reply

brief. See Ill. S. Ct. R. 341(h)(7) (eff. Oct. 1, 2020) (“Points not argued are forfeited and shall not

be raised in the reply brief”).

¶ 34                                2. Continuing Violation Rule

¶ 35    Finally, plaintiffs contend that the continuing violation rule tolls the statute of limitations

because their fraudulent reverse mortgages will only end when “[p]laintiffs inevitably transfer their

homes or are released from the reverse mortgage.” Mary did not raise this argument in her response

to AAG’s motion to dismiss, so she has forfeited it on appeal. See Riseborough, 2014 IL 114271,

¶ 36 (a party may not present new argument in motion to reconsider after complaint is dismissed).

We address this argument with respect to only Levada and Dorothy.

¶ 36    “[C]ontinuing torts” or a “continuing or repeated injury” toll the statute of limitations.

Feltmeier v. Feltmeier, 207 Ill. 2d 263, 278 (2003). Under the continuing violation rule, the statute

of limitations does not begin to run until the date of the last injury or when the tortious acts cease.

Id. However, a “single overt act” causing “continual ill effects” is not a continuing tort. Id.

¶ 37    Although plaintiffs argue the continual nature of their reverse mortgages tolls the

limitations period, we find this argument unpersuasive. Plaintiffs each allege a single overt act:

Diamond fraudulently inducing them into signing a reverse mortgage with AAG. The fact that the

                                                - 13 -
No. 1-22-1398

reverse mortgages still exist and may, at some point in the future, result in foreclosure are merely

“continual ill effects” resulting from Diamond’s initial “single overt act.” See id. To put it simply,

if plaintiffs had never signed the reverse mortgages, the “continuing ill effects” they now complain

of would not exist. To the extent plaintiffs argue that Diamond’s initial act was part of an ongoing

fraudulent scheme to obtain their homes, plaintiffs fail to plead any specific facts describing such

an ongoing scheme.

¶ 38   Furthermore, cases in which courts have applied the continuing violation rule are factually

dissimilar from this case. See, e.g., Pavlik v. Kornhaber, 326 Ill. App. 3d 731, 745 (2001) (repeated

tortious acts of a similar nature by the same actor are continuing violations in claim for intentional

infliction of emotional distress); Field v. First National Bank of Harrisburg, 249 Ill. App. 3d 822,

825 (1993) (continuing violations where defendant made monthly check deposits for four years);

Sommer v. United Savings Life Insurance Co., 128 Ill. App. 3d 808, 814–15 (1984) (defendant’s

agents making multiple specific misrepresentations on multiple specific dates over a period of

years are continuing violations in claim for fraudulent sale of life insurance). Plaintiffs do not cite

any authority holding that the existence of a reverse mortgage is a continuing violation sufficient

to toll the statute of limitations. Accordingly, neither the discovery rule nor the continuing

violation rule tolls the five-year statute of limitations, plaintiffs’ declaratory judgment claims are

untimely, and the circuit court properly dismissed them.

¶ 39                                     III. CONCLUSION

¶ 40   For the foregoing reasons, we affirm the judgment of the circuit court of Cook County.

¶ 41   Affirmed.

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