Pennsylvania foreclosures are judicial — the lender sues, gets a judgment, and the property is sold at a county sheriff sale. A Chapter 13 filing before the sale stops the sale and lets you cure the arrears over 3–5 years while keeping the house.
What you should know
We've stopped sheriff sales scheduled the next morning. We need your mortgage statement, the foreclosure complaint, last six months of pay, and a credit-counseling certificate. The case can be filed within hours when needed.
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Frequently Asked Questions
Common questions
Up until the moment the sale takes place. We've filed minutes before the sale. As long as the case is filed before the gavel falls, the automatic stay stops the sale.
No. Chapter 13 lets you cure the arrears over 3–5 years while resuming regular monthly payments.
Most Pennsylvania filers keep their home and vehicle. We can elect federal bankruptcy exemptions, which protect a significant amount of home equity plus a vehicle, household goods, retirement accounts, and a wildcard for anything else. We walk through your assets before filing so there are no surprises.
We charge a flat attorney fee that is fully disclosed and agreed to before you engage the firm. Court filing fees and the two required credit-counseling courses are separate. Many clients pay the attorney fee in installments before filing.
Chapter 7 stays on your credit report for up to 10 years; Chapter 13 for up to 7 years. In practice most clients see their FICO score improve within 12–24 months because their debt-to-income ratio drops dramatically and they can demonstrate on-time payments on new credit.
Related service areas
- Pennsylvania Foreclosure Defense: Every Stage, Every Option
- Foreclosure Timeline Checker: How Much Time Do I Have?
- Pennsylvania Mortgage Relief: Modifications, Arrears, and Chapter 13
- Pennsylvania Debt Relief: Every Option Compared
- Wage Garnishment in Pennsylvania: Limits and How to Stop It
- Chapter 7 Bankruptcy in Pennsylvania
- Chapter 13 Bankruptcy in Pennsylvania
- Stop Wage Garnishment in Pennsylvania
- Credit Card Debt Relief in Pennsylvania
- Medical Debt Bankruptcy in Pennsylvania
- Bankruptcy After Job Loss in Pennsylvania
Service areas
Bankruptcy help in your Pennsylvania county
I file Chapter 7 and Chapter 13 cases in all 67 Pennsylvania counties. Start with your county or city below, or see every service area.
- Cambria County Bankruptcy Attorney
- Lackawanna County Bankruptcy Attorney
- Washington County Bankruptcy Attorney
- Delaware County Bankruptcy Attorney
- Butler County Bankruptcy Attorney
- Franklin County Bankruptcy Attorney
- Schuylkill County Bankruptcy Attorney
- Chester County Bankruptcy Attorney
- Blair County Bankruptcy Attorney
- Allentown Bankruptcy Attorney
- Bethlehem Bankruptcy Attorney
- Mechanicsburg Bankruptcy Attorney
- Johnstown Bankruptcy Attorney
- Forest City Bankruptcy Attorney
- Pittsburgh Bankruptcy Attorney
- Mercer County Bankruptcy Attorney
- Bucks County Bankruptcy Attorney
- Cumberland County Bankruptcy Attorney
- Monroe County Bankruptcy Attorney
No cost. No obligation.
Book your free bankruptcy consultation call.
Pick a time that works for you — Attorney Sean Quinlan offers free phone and video consultations to clients throughout Pennsylvania. No office visit required.
Or request a date and time online — weekdays, 10:00 a.m. to 4:00 p.m. ET.
Prefer to call? (717) 724-7503