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Pennsylvania Foreclosure Questions & Answers
1 Answer | Asked in Foreclosure for Pennsylvania on
Q: General timeline estimate for settling a foreclosure in court? How many months?

I'm wanting to fight a foreclosure and pay off the mortgage but, without all the added fees because, I feel the bank has grossly mishandled the entire process. It seems to have started when the original lending bank merged into it's parent bank and returned payments that had been made.... Read more »

Cary B. Hall
Cary B. Hall answered on May 8, 2020

As you correctly surmise, things are all out of whack with the court system due to the pandemic and resultant shutdowns. You're going to need to contact the Court of Common Pleas for the county in which your foreclosure case is pending. In Pennsylvania at present, each county is largely... Read more »

3 Answers | Asked in Foreclosure, Real Estate Law and Landlord - Tenant for Pennsylvania on
Q: Question below

My sons grandfather passed in 2015 and left his home to my son in his will. We've been living here since before he passed with him and continued to live here after. Two guys came walking into my house through the front door last week with the keys to the lock claiming they bought it in a... Read more »

Mark Scoblionko
Mark Scoblionko answered on Apr 14, 2020

I agree that you need a “professional opinion,” which means that you should engage a lawyer to look into the situation and give you advice.

From your brief description, it sounds like there may have been a mortgage against the property, unpaid taxes or a judgment that was not paid, any...
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1 Answer | Asked in Foreclosure for Pennsylvania on
Q: PA - reverse mortgage, last lender died. Heir and Executor - how can I save house?

I'm sole heir by will, last lender died (my mother). Fiancee and I have been living with her as caretakers (she had alzheimers) and currently reside in the home as our residence, with nowhere else to go. Possible at ALL to save the home? Have a student loan and make maybe 16,000 or so a year... Read more »

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Feb 14, 2020

I assume you mean that your mother was the borrower on the Note and Mortgage, that either her will named you as sole heir to the house, or if no will, that you are an only child.

Yes, it is possible to save the house, but more of your financial facts are needed, as well as a real appraisal...
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1 Answer | Asked in Foreclosure and Real Estate Law for Pennsylvania on
Q: In Phila, Can a homeowner whose home is being auctioned due to a tax lien, legally sell their home During this process

This is specifically for the Philadelphia sheriff sales, tax liens as opposed to mortgage foreclosures. Can the homeowner sell the property before it goes to the auction.

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Feb 8, 2020

Your legal obligation is the standard real estate sales contract is to deliver clear title (free of liens, encumbrances, and title defects) at the closing/settlement of the sale. The taxes will be paid by the escrow agent at time of settlement, so that the property is delivered to buyer free of... Read more »

1 Answer | Asked in Foreclosure and Civil Litigation for Pennsylvania on
Q: My Mom was served a civil action mortgage foreclosure on her dead son’s home. He was single/no kids. Must she respond?

She has no money, is on disability, and lives check to check. My step dad and little brother were also named in the paperwork. What should we do! They have no interest in the home and wouldn’t qualify to finance anything.

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Jan 13, 2020

All states have "intestacy statutes", determining how a decedent's property will be distributed, and to whom. You don't say where the property is located, which would determine which state's law would be applicable, as to that property. The foreclosing creditor most... Read more »

1 Answer | Asked in Foreclosure for Pennsylvania on
Q: Do I have to appear in court as a legal heir on a foreclosure if I don't want the house? Do I even need to respond.

The house in in Chicago, IL and I live in Philadelphia, PA if that matters.

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Jan 8, 2020

If you do nothing, the court will enter a judgment by default against you and any interest you may have in the property to be foreclosed. In PA, DE and several other states, a foreclosure is an "in rem" proceeding, limited to foreclosure and sale of the property, and does not initially... Read more »

2 Answers | Asked in Foreclosure, Real Estate Law, Civil Litigation and Landlord - Tenant for Pennsylvania on
Q: Do I have to give defendants in a civil action a 20 day notice of a subpoena to produce documents?

I am the plaintiff in a ejectment action. I served , by certified mail, a subpoena to my tenants ( Defendants ) to produce documents. Their Attorney filed a motion to quash subpoena because I didn’t give them 20 day notice.

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Mark Scoblionko
Mark Scoblionko answered on Nov 28, 2019

A subpoena would ordinarily be used to require a non-party to appear for a deposition or produce documents. It is not used to request another party to appear or produce documents. Your lawyer can serve the defendants with a Request for Production or a Notice of Deposition, as the case may be.... Read more »

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2 Answers | Asked in Foreclosure for Pennsylvania on
Q: Hello,Our home is to be sold at Sheriff sale on 12/13/2019. Both our names are on the note and the deed.

I moved out 3 years ago and my ex still lives in the house. I refuse to sign any type of Short, Quick sale, agreements, remodafcation mortgage papers etc, before the 12/13/2019 deadline. does she have any type of recourse to go ahead and sign said papers on my behalf without my knowledge?... Read more »

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Aug 28, 2019

To answer your very specific question-

No, you cannot be coerced by a foreclosure court or probably any other judge to sign off on any of the types of consensual agreements that you list. Probably the more important question is about what you hope to accomplish by your refusals....
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1 Answer | Asked in Foreclosure for Pennsylvania on
Q: Home is in foreclosure and just received a refund check for cancelled home owners insurance policy. Can I cash this?

Sheriff sale to be held in October, but lender is entering into a short sale agreement in the next 3 weeks.

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Jul 31, 2019

Risk of loss follows title to the real estate. You do not say whether the foreclosure sale has been held, or whether the sheriff's deed has been issued to the successful bidder. Nor do you say who caused the cancellation of the home owners insurance. But, "can" you cash the refund... Read more »

1 Answer | Asked in Foreclosure for Pennsylvania on
Q: Pennsylvania how long after sheriff sale does original owner have to move possessions

Foreclosure at sheriff sale but deed isn't acknowledge at recorder of deeds

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Jul 11, 2019

Normally, it takes about 3 days for the Sheriff to deliver the deed and the Registrar to record it. The timing of when current occupants need to leave is largely up to the buyer at the sheriff's sale. He/she can file an ejectment action when he becomes record owner. Those ejectment... Read more »

1 Answer | Asked in Foreclosure for Pennsylvania on
Q: I am being sued in regards to my mother's former home which had a reverse mortgage.

My mother passed away Dec. 2018. She had a reverse mortgage on her home. According to her will, I am ineligible to purchase her home, that option was only given to one of my brothers. What, if any is my legal responsibility, and what can I do to remove myself from the lawsuit?

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Jul 5, 2019

Inasmuch as it appears that there is no remaining equity in the property, and the property is in foreclosure so that the entire remaining balance of the debt is now due and payable, you can extract yourself from the foreclosure suit (assuming you did not sign any note or guaranty of the mortgage... Read more »

1 Answer | Asked in Foreclosure for Pennsylvania on
Q: What can I do to stop foreclosure on my house involving a scam?

We got behind on our mortgage and received mail saying we could apply for a loan modification. This process started last August 2018 and the company had us pulling paperwork, pay stubs, etc, even had us mail cashier checks for $1900 4 different times, the last contact with them was the beginning of... Read more »

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Apr 4, 2019

Depending upon the remaining amount of your mortgage arrearages (missed payments plus late charges and accrued interest), yes, there are alternative ways to stop, or suspend, the "pre closure process".

I assume you have received a letter notice of intent to foreclose, but you...
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1 Answer | Asked in Foreclosure for Pennsylvania on
Q: I have been renting a property for 9 years. And not it is in foreclosure.

In August I received a letter to pay my rent to a trustee. I have been doing that with the intent to purchase my house at the Allegheny Courthouse this February. Now my landlord served me papers saying that he filed Chapter 11 and that if I attempt to buy his house that he would sue me. He also... Read more »

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Jan 25, 2019

To answer your questions, I'd need to see what has been filed by your landlord in his Chapter 11 case, including what orders have been entered authorizing him to utilize his lenders' cash collateral (the rent you pay would most probably be part of that cash collateral). In addition,... Read more »

1 Answer | Asked in Bankruptcy, Family Law, Foreclosure and Real Estate Law for Pennsylvania on
Q: Could you please provide information on joining current class action lawsuit against Ocwen Loan Svc'g for Pennsylvania
Kathryn Hilbush
Kathryn Hilbush answered on Dec 7, 2018

No idea. I'd google it and see if you can locate the information about the particular lawsuit you're interested in. I tried but, not knowing why you believe you may be eligible to apply to join one of the several lawsuits out there, my ability to come up with any sort of suggestion was too limited.

1 Answer | Asked in Foreclosure for Pennsylvania on
Q: I was wondering can I sign you to defend me for a property tax foreclosure defense case by Friday of this week
Cary B. Hall
Cary B. Hall answered on Nov 8, 2018

If you're looking to hire a particular attorney with a listing here on Justia, I suggest you contact that attorney from his/her profile. Best of luck to you.

2 Answers | Asked in Real Estate Law and Foreclosure for Pennsylvania on
Q: Can anyone help me purchase property ahead of Sherriff Sales?

I am interested in properties at Sherriff Sales but want to know if anyone can represent me to approach the owners and buy these properties ahead of sales to avoid bidding situation. If so, how do you charge your fee?

Evan Charles Pappas
Evan Charles Pappas answered on Oct 12, 2018

Our firm could assist with this work provided that we do not have any conflicts with the foreclosing bank/lender and would charge for this work on an hourly basis. Feel free to schedule a confidential phone or in-person consultation for more information.

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2 Answers | Asked in Estate Planning, Foreclosure and Real Estate Law for Pennsylvania on
Q: I recently received Praecipe to Reinstate/Reissue involving my late aunt's mortgage. Why would I and what can I do?

I already had a Conciliation Conference, which did no justice, and I felt as if it were to get me to say I was the last surviving member of the family. It is her home and noone has been there since she passed.

Cary B. Hall
Cary B. Hall answered on Sep 8, 2018

When litigation is filed -- including mortgage foreclosure cases -- the named Defendant must be served with the suit papers in a particular way, and there is a time limit for this to occur. If service is not made within this initial time period, the Complaint must be "reinstated" or... Read more »

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2 Answers | Asked in Foreclosure and Real Estate Law for Pennsylvania on
Q: How long after a sherrif sale does someone need to be out by? Does the person who buys home have to evict the people in

We live in husbands grandmothers home, were supposed to buy it according to her will after she died but her named executrixs refused to open will and now home is in foreclosure and going for sherrif sale at end of Sept. We have lived in home for 9 years, now buying another home...first one fell... Read more »

Elizabeth Tarasi
Elizabeth Tarasi answered on Sep 4, 2018

You should be given notice of when the drop dead time is. I would call the the entity involved in the sheriffs sale and try to get as much information as you can.

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2 Answers | Asked in Foreclosure and Real Estate Law for Pennsylvania on
Q: I am unable to sell my old house and it is about to go into foreclosure.

I was unable to sell my old house because we owe more than it is worth. I decided to rent it out to avoid foreclosure despite having a clause in the mortgage saying we cannot rent it. Two years later we are in the process of evicting the tenant because he is always late with payments and is now... Read more »

W. J. Winterstein Jr.
W. J. Winterstein Jr. answered on Aug 17, 2018

In the vast majority of foreclosure cases, the question is not whether the Mortgagee noteholder will when, but when. You say the property is "my old house", but that your wife now owns it. You do not, however, say when that transfer of title occurred, nor what money or other value... Read more »

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2 Answers | Asked in Foreclosure and Real Estate Law for Pennsylvania on
Q: On the deed with my husband but not the mortgage. Can I sell my ownership to my husband before the foreclosure process?

My husband added me to the deed after he bought the house. We are way behind with the payments. If the house is foreclosed I am going to lose ownership too . I am in the process of separation with my husband and I live in another state. I don't want to lose the money I spent for years on the... Read more »

Elizabeth Tarasi
Elizabeth Tarasi answered on Jul 5, 2018

The bank forecloses on the property and they take the money necessary to pay what is owed. You will lose all rights you have in the property if it is foreclosed on. If your husband wants to pay you for what you have paid on the mortgage he can agree to do so.

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