Should You Call a Mortgage Foreclosure Defense Attorney Today?

Should You Call a Mortgage Foreclosure Defense Attorney Today?

Admitting that one’s financial affairs have spiraled beyond one’s control is a difficult thing to do. It is often not so much that people are unconcerned about their debts and obligations but rather that it can be easier in the moment to sweep the problem under the rug, ignore it, and hope that it gets better. While it may be easier to ignore one’s deteriorating financial position, this approach generally results in a situation that becomes pressing or even dire.  

It probably goes without saying that no one wants to be in debt and have to deal with the stressful collection calls and other burdens that flow from the unfulfilled obligations. Probably even fewer people are eager to dig into finances after difficult life events and relive what went wrong. However, a failure to remain cognizant of one’s finances and financial stressors can frequently spiral into a home mortgage foreclosure situation. Individuals who engage in the process early and proactively can frequently choose from the most potential options that will halt a mortgage foreclosure.

How Can I Tell if I’m Facing a Foreclosure in Pennsylvania?

At Sadek & Cooper, our lawyers frequently receive calls from concerned, responsible Pennsylvanians who are worried that they are facing foreclosure due to one or several missed mortgage payments.   After missing one or more payments, a mortgage holder may send a “friendly” reminder that certain payments are outstanding. Receiving a notice simply stating that you have missed one or more mortgage payments does not necessarily mean you are in foreclosure, however, it is often the first time a homeowner will seriously consider whether a foreclosure is likely.

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A homeowner can be certain that foreclosure proceedings are imminent when he or she receives a Notice of Intent to Foreclose or an Act 6 Notice. This notice must be provided at least 30 days prior to the date the lender intends to foreclose. To be legally sufficient, this notice must contain certain information including the fact that the homeowner has the right to cure the mortgage default. Furthermore and to fully satisfy foreclosure notice requirements, homeowners who will face foreclosure must also be provided with an Act 91 notice. In Philadelphia County, filing for a judgment for foreclosure is contingent upon the lender first arranging for a conciliation proceeding to occur.

Diligence and Timeliness Can Impact your Foreclosure Defense Options

Depending on the approach a homeowner takes to foreclosure, he or she may have different options. individuals who are proactive and address the situation before a Notice of Intent to Foreclose is sent frequently have more flexibility and options. For instance, homeowners who address their problems in the early-going may find that lenders are willing to negotiate a mortgage modification or a pre-foreclosure forbearance plan. Alternatively, negotiations with unsecured creditors may allow an individual to free up the financial resources he or she needs to catch-up on payments in arrears. Additionally, Pennsylvanians can also engage in a state court litigation strategy to defend against a mortgage foreclosure. However, this approach is generally more effective early in the process.

While homeowners have some flexibility to comport their approach to their own preferences in the early stages of a potential foreclosure, he or she should not delay once a Notice of Intent to Foreclose is received. Receipt of this notice means that the clock is ticking and, absent remedial action, your home will be sold at foreclosure. While an emergency Chapter 13 bankruptcy filing remains an option to protect your house from foreclosure, the window of time you have to take action is quickly closing.

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Work with anExperienced Philadelphia Foreclosure Defense Lawyer

If you are concerned about a foreclosure, there is no time to seek advice like the present. Contacting a foreclosure defense attorney can help you understand the situation you face and whether it warrants the apprehension and anxiety you are experiencing. If so, our strategic attorneys can offer guidance regarding potential ways to stop a foreclosure and protect your home.

Stop worrying and start moving forward by discussing your foreclosure defense options. To schedule a confidential consultation with one of our Pennsylvania bankruptcy lawyers, please call Sadek & Cooper at 215-545-0008 today.

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Thomas Wright
Thomas Wright
15:09 24 Apr 18
Sadek and Cooper Law did a great job on my bankruptcy case. I really appreciate their assistant. Thank you
Kelly McKenna
Kelly McKenna
11:57 19 Apr 18
This form - specifically Yoninah Orenstein and Patrick Cooper are PHENOMENAL. They were great to work with, very fair with legal fees, and successful in getting an excellent settlement for my divorce (short term marriage
Dessiana Cruz
Dessiana Cruz
13:11 04 Apr 18
I was nervous about bankruptcy, but from the moment I stepped in your office I felt at ease. This process was so easy with your help, that yesterday I was talking to my coworkers about it and recommending your firm to them. You make something that’s scary seem easy and I thank you so much for helping me!
Valerie Nesbitt
Valerie Nesbitt
14:51 03 Apr 18
Sadek and Cooper have been excellent. Everyone has been extremely helpful and patient. The lawyers I have worked with, Matt and Brad, are extremely knowledgeable. I felt very comfortable with them handling my case.
Marlena Lucas
Marlena Lucas
16:08 02 Apr 18
Very simple. Any time I had questions, they were answered quickly. The lawyers are just great. Just a fast painless process.
James Smith Sr
James Smith Sr
13:19 14 Mar 18
Everything has been great. Really awesome job with my case... You and your staff have done a perfect job in my opinion.
Michkel Davis
Michkel Davis
17:02 09 Mar 18
Mr. Sadek was the best and most thorough lawyer I’ve ever met. He’s very human and caring about our case. His whole staff is great too. Highly recommend...
Tamika Richardson
Tamika Richardson
14:56 01 Mar 18
My bankruptcy went very smoothly with your firm. No issues. You are all very nice. That’s why I recommend my sister to your firm and your now helping her too! Thanks again.
Geraldine Ross
Geraldine Ross
14:14 28 Feb 18
This is an Excellent firm to work with; my questions were answered in a timely manner and I felt very supportive in handling my bankruptcy. I would highly recommend this firm to others who have found themselves in a position like mine.
Lavern Baker
Lavern Baker
17:03 23 Feb 18
You are all super lawyers. Brad and Matt made me feel comfortable. Every one in your office so nice and just made it easy. You’re the best!
peter b
peter b
19:42 21 Feb 18
Thank you, Sadek and Cooper Law offices for your dedication on my behalf. I appreciate Matthew and Patrick and your staff and all that everyone did to support me in this legal matter. You took an embarrassing, sad experience, for me, and turned it into a successful solution without all the emotional pain expected. After dealing with a loan modification company for over eighteen months without going to an attorney first that is the biggest mistake anyone can make. The Modification Companies set out to sell you lies, broken promises and dilute the homeowner's assets with no knowledge of any kind of law. I can't stress enough stay away from Modification companies, as a Military Veteran and family man, protect you or your family best interest. Go directly to Sadek and Copper you will not regret it! This firm moves with Super speed and diligence protecting you and your family's the entire process, even after watching some of these other attorneys in the courtroom appearing to mishandled their clients’ cases before the Trustee. You made it easy and I’m finally getting my financial life back on track! Thank you for your prompt replies to me, your clear information and preparation needed when at the courthouse. I would of course recommend you to others and I am glad you were the one who had my case. Kind genuine law firm who treats you like family. God bless you all and I pray for your continued success in your field of expertise. This firm is Super Lawyers for a reason. They are the best at what they do! Pete
Doug Tinlin
Doug Tinlin
06:55 15 Feb 18
Brad Sadek gave me hope when he decided to handle my mortgage for enclosure defense. I had exactly 10 days left of the 30 days ultimatum given me, but he was able to bargain for an extra 30 days for me to pay up. That duration turned out just right.
Jacinth Jacinth
Jacinth Jacinth
16:07 31 Jan 18
Excellent service. Brad and Matt were outstanding and friendly. They helped me through this. I’ve never met attorneys like these. Thank you!
julie njoku
julie njoku
12:29 24 Jan 18
Brad Sadek is excellent!. He understands and he's fair. You feel like you have someone fighting for you. The staff is friendly, professional, and courteous. These guys are the best at what they do !
Owen Black
Owen Black
20:14 09 Jan 18
Thanks for the great service! I would recommend this firm highly. Throughout the years I have been helped by this firm greatly and very much appreciated.
Steven Rychalsky
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15:30 09 Jan 18
Sadek and Cooper law office was a wonderful experience to work with. Bankruptcy is a difficult experience but they helped with the stress so much and made it easy. I would recommend Sadek and copper too anyone.
Chris Kourelias
Chris Kourelias
19:09 28 Dec 17
Working with both Brad & Matthew was a pleasure. Both gentlemen are extremely knowledgeable and helpful in providing me the right assistance needed to make the correct decision to benefit me in the long run. I would recommend both candidates to anyone looking for assistance with a reputable law firm.
Jennyfer Santana
Jennyfer Santana
21:17 21 Dec 17
Highly Recommended. Matt & Brad assisted with my case. I felt comfortable throughout the entire process. Matt was very understanding, patient, and ensured he answered all my questions! Both great guys and very friendly! It was a pleasure working with Matt and Brad.
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