Stopping Foreclosure in Pennsylvania

Wondering how to quickly stop a foreclosure in Pennsylvania?
Stephen Dunne, Esq.

Stephen Dunne, Esq.

Philadelphia bankruptcy, credit report, and debt collection abuse attorney

Wondering how to quickly stop a foreclosure in Pennsylvania?
Stephen Dunne, Esq.

Stephen Dunne, Esq.

Philadelphia bankruptcy, credit report, and debt collection abuse attorney

Today is the day.

It’s past time you had someone in your corner.
Our first consultation is always free.

In Pennsylvania, the foreclosure process can move very quickly without effective legal aid. Within a short amount of time, you can be dealt a harsh blow to your living situation and long-term financial outlook. But you aren’t defenseless. There are legal countermeasures you can employ to slow proceedings. Exercising these rights can give you more time to formulate a long-term financial plan.

Legal Strategy – Allege Procedural Defenses

A procedural defense points out a mistake the lender has made during the foreclosure process. Lenders may be wrong in any number of areas, particularly with regard to pre-foreclosure requirements or due process. Lenders are required to conduct proceedings in the following ways, and there are additional ways they may have violated your agreement:

  • Lenders must provide proper notice (in Pennsylvania, Act 6 stipulates lenders provide written notice 30 days before court action)
  • Lenders must give you a fair chance to correct the loan default
  • Lenders must properly advertise the sale
  • Lenders must introduce the original documents in the foreclosure proceedings
  • Lenders must bring the foreclosure proceeding in the name of the real mortgage holder

Non-Legal Strategy – Apply for Home Loan Modification

While fighting the foreclosure in state court, I often advise my clients to seek out FREE assistance of a certified housing counselor to facilitate a FREE home loan application under Home Affordable Modification Program (HAMP) and to determine if they are eligible to participate in the Pennsylvania Homeowners’ Emergency Mortgage Assistance Program (HEMAP).

In Philadelphia, I often refer clients to Clarifi, which is certified by the U.S. Department of Housing and Urban Development (HUD) as a comprehensive housing counseling agency and approved as a PA and NJ Housing Finance agency.

There are several ways to connect with Clarifi.

  • E-Mail [email protected]
  • 800-989-2227
  • 1608 Walnut Street, 10th Floor, Philadelphia, PA 19103

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