Tag Archives: mortgage foreclosure

What To Do About Debt Problems

Having debt is as American as apple pie, but too much debt can create stress, and lead to many problems: Collection Calls, Lawsuits, etc. If you need help with debt problems, the best advice is to sit down with an experienced attorney to review your options. Its Only Money This may seem obvious, but understand […]

What To Do If You Are Faced With a Sheriff’s Sale

Being faced with a Sheriff’s Sale can be a frightening experience. The Sheriff, or a constable, has just stopped by, inventoried everything you own, and given you a notice that things are being sold. Even worse, you may receive a Notice that your Home is being sold at a Foreclosure Sale. What can you Do? […]

Mortgage Foreclosure Court

Mortgage Foreclosure Court is a special process which is available in Blair County. The purpose is to allow the homeowner, along with their attorney, an opportunity to meet with the bank’s attorney, in order to see if an agreement can be reached to avoid foreclosure. To be eligible for this program, an affidavit must be […]

Chapter 13 Bankruptcy

A Chapter 13 Bankruptcy Plan allows a homeowner to submit a plan to get caught up on their debts, over a 3 to 5 year period. During this time they make their best efforts to pay; most debts which are not paid can be discharged when the plan is completed. A Bankruptcy Attorney will draft […]

Mortgage Modification

Many banks and mortgage companies offer mortgage modification programs, which may involve changing the terms of the loan, excusing previous missed payments, and giving the homeowner a fresh chance to pay the loan. Applications may be made to the bank or mortgage servicer: these usually require a fair amount of paperwork, including documentation of income. […]

Act 91

The Homeowners’ Emergency Mortgage Assistance Program (known as HEMAP, or Act 91) provides loans to homeowners who can show that: They are behind on their mortgage through no fault of their own; and There is a reasonable likelihood that they will be able to resume full mortgage payments within either 24 or 36 months (the […]

What To Do If You Are Facing Mortgage Foreclosure

Being served with a mortgage foreclosure complaint can be a frightening moment. The most important thing which you can do is to sit down with an experienced Mortgage Foreclosure Attorney, to review your options. What Is Foreclosure? In Pennsylvania, mortgage foreclosure is the process by which a lender takes back real estate, in order to […]

Can I Keep My Home If I File Bankruptcy in Pennsylvania?

The short answer to this question is that most persons who file a Bankruptcy Petition will be able to keep their home. Exempting a Home in Bankruptcy In a Chapter 7 Bankruptcy, the Debtor gets to keep property that is “exempt.” This property is still subject to any mortgages, or other valid liens. Some liens, […]

Defending Mortgage Foreclosure in Pennsylvania

Being faced with a mortgage foreclosure, and the possible loss of a home, is a difficult experience. There are a number of options for someone who wants to defend against this. The process begins with a formal notice from the bank, sent by certified mail. If no response is made in 30 days, the bank […]