Title 735 ILCS 5/2-407 provides that a party may file a motion to have parties dropped for misjoinder at any time during the proceedings as "the ends of justice may require."

So, the procedure is to simply file a motion and declare facts to the court showing why the defendants should not be a party to the case -- i.e., because only the personal representative of the estate is authorized to represent the estate in court, and the beneficiaries have no interest in the property until the estate is distributed.

Note: The above-described argument may or may not be valid. It's possible that a beneficiary may have some equitable interest that the lender seeks to terminate. But, it would be up to the lender to show that interest.

Hope this helps.

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