Pennsylvania law requires all banks to provide the home owner with a notice of default before a foreclosure action can be filed. Act 6 requires banks to send a notice of default 30 days prior to filing a mortgage foreclosure complaint. Act 6 only applies to home owners whose mortgage balance is less than $221,540.00. Another Pennsylvania law referred to as Act 91 also requires banks to send home owners information on Pennsylvania Homeowner’s Emergency Assistance Program (HEMAP). The Pennsylvania Housing Finance Agency (PHFA) administers the HEMAP program which provides home owners with cash assistance to cure the late payments on their mortgage.