People facing eviction and foreclosure are financially stressed by definition.
Losing one's primary residence is a big deal that can affect one's physical health.
Both the U.S. Constitution and Illinois Constitution guarantee that people will be secure in their homes.
Lenders have too often engaged in fraud and other practices that make foreclosures legally defective. This is in part possible because attorneys that represent lenders and landlords often have a chummy relationship with the judges that hear these cases.
If there's a right to counsel in criminal matters, it doesn't seem like an unusual interpretation of the U.S. Constitution and Illinois Constitution to see a right to counsel in evictions and foreclosures.
This should be paid for by a small tax on home loans, a large fee on foreclosures and a tax on rental units where either the owner has six or more units or the property management company manages six or more units.