Understanding the Foreclosure Process In PA . Among the reasons the foreclosure procedure is so complicated for the average individual is because of the fact that it is shrouded in mystery. Your bank or loan provider is not most likely to discuss it to you thoroughly, and if they do, expect a lot of legalese that is implied to guide you into more confusion. At the Law Office of Michael P. Forbes, PC, I do my finest to help my clients not just comprehend the foreclosure process in Pennsylvania however also get ready for it. Take Action Now - Protect Your Home! Foreclosure can move rapidly, but you still have alternatives. Don't wait up until it's far too late. Contact us today at (610) 991-3321 to discuss your best course of action. Breaking Down the Foreclosure Process and Timeline in PA Initial Notices In Pennsylvania, the process of foreclosure commences after you, the borrower, becomes a minimum of 60 days late on their mortgage payments. Before the lending institution starts foreclosure, they will usually need to send out two letters through the mail to inform you of their intent to begin foreclosure quickly. This is also the time you must get in touch with an experienced foreclosure defense lawyer. Once the very first letter is in your hand, you can begin to find out what the lending institution desires and how to challenge or delay it. Second Chances Upon reception of the first notification, you may have anywhere between 2 and 4 months to come up with a way to stop the foreclosure proceeding and avoid it altogether. With the aid of your lawyer, you can look for an option to foreclosure, such as bankruptcy, loan adjustments, or bringing the actual validity of the foreclosure into question. Lawsuits. If you stop working to discover a service, or can not discover one that works for you, to stop the foreclosure, the loan provider will submit a lawsuit versus you to come up with the amount due.