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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