Philadelphia homeowners in foreclosure:

Learn How to Stop Your Foreclosure Today

Foreclosure help in Philadelphia, PA

What to do if you’re facing foreclosure

Every year, homeowners across the US face the threat of losing their homes because of an inability to pay their mortgages. In Philadelphia alone, several thousand families face a similar prospect, usually to little fault of their own. The looming potential of foreclosure is usually due to unforeseen circumstances such as a loss of a job, medical expenses, and even a lack of education about how much a family can afford on a monthly basis when they buy a new house.

While foreclosure in Philadelphia can be a frightening thought, anyone confronting this type of situation should also know that they have different options to save their homes. With strategic planning, our experienced foreclosure bankruptcy attorneys may be able to save your home and help you eliminate other debts that are keeping you behind making your mortgage payments.

Understanding foreclosure

Foreclosure is a multi-step process where a bank reclaims a home because of missed payments, and it begins almost as soon as they fall behind on a mortgage payment. Most people are unable to pay for a home outright, so they carry a bank loan until they are able to pay off the home in full. Most banks and lending institutions offer different payment options, but they make their money on home loans because of the interest you ultimately end up paying them. If you fall behind on even one of your house payments, you begin receiving letters of delinquency from the bank informing you that if you don’t pay, they will begin the process of reclaiming and selling your home.

In Philadelphia, foreclosure consists of a pre-foreclosure, an auction, and a bank repossession. The pre-foreclosure process gives you enough time to get your affairs in order, which is why we recommend you consider talking with our foreclosure bankruptcy attorneys if you know you won’t be able to make up the payments.

Why a foreclosure bankruptcy attorney?

‘Bankruptcy’ and ‘foreclosure’ are two terrible words no one wants to hear or consider, but declaring bankruptcy may just be able to save your home. Both will mean taking a big hit on your credit, but filing for bankruptcy can stop the foreclosure process, which means while your debts are decreased or wiped clean, you can also continue residing in your home. If nothing else, a bankruptcy will give you more time to sell your house and organize other finances.

A Philadelphia bankruptcy attorney can help stop foreclosures from happening simply by providing you with the right types of paperwork, submitting your claims with banks, and organizing all of your affairs on your behalf. We know the time-sensitive issue you are facing, and we will help you to make the best judgments regarding your bankruptcy declaration. Get in touch with our bankruptcy attorneys today to find out how we can help you.

Happy couple in Philadelphia, PA

Foreclosure defense options available to you

Foreclosure Defense

Foreclosure Defense

We take on your bank or servicer and make it a fair fight.

Loan Modifications

Loan Modifications

You may be eligible to get your monthly payment lowered.

Short Sales

Short Sales

You can possibly sell your home without owing any more money.



You can potentially save your home and stop foreclosure.

Mortgage Litigation

Mortgage Litigation

If your lender committed fraud we can sue them for damages.

Foreclosure Sale Postponements

Sale Postponements

It's possible to postpone your sale date.

Relocation Incentive Programs

Incentive Programs

You can get paid to either move or sell your home.

Minimum foreclosure timeline in Pennsylvania

Find out what you can expect when faced with foreclosure

Pennsylvania foreclosure timeline

Day 0

Borrower misses first payment

Day 16

Late notice sent

Day 20

Collection calls begin

Day 30

Notice of default

Day 45

Property inspection

Day 90

Act 91 notice sent

Day 120

Judicial complaint filed

Day 140

Contest foreclosure action

Day 150

Judgment notice of sheriff’s sale

Day 180

Sheriff’s sale

Day 200

Sheriff’s Deed Recorded

Day 230


We’ve helped over 2,300 homeowners get relief

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Meet our experienced team

Philadelphia Foreclosure Attorney

Nadia Kourehdar

Managing Attorney
"My personal mission is to revolutionize the legal industry by making high-quality legal representation affordable for everyone."
Philadelphia Bankruptcy Attorney

Kingston Bowen

Lead Associate Attorney
"My mission is to help borrowers navigate the system so they get the relief they need and deserve."
Philadelphia Mortgage Attorney

Amanda Stewart Hause

Associate Attorney
"My mission is to advocate for borrowers who are being treated unfairly by their lenders, and help them find financial freedom."
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Ark Law Group results

We’ve been working hard to get meaningful results for clients like you

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Testimonials from our Pennsylvania
loan modification and foreclosure defense clients

Ark Law Group was a pleasure to work with. Document sharing made staying in the loop much easier. I have no doubt the expertise Ark is the reason our property finally sold.
Jason K.
Charleroi, PA
The attorney assigned to this file, Nadia Kourehdar, was the best one I have ever worked with. Her professionalism and knowledge was the reason this sale went so well.
Brian M.
Perkasie, PA
Danielle Cookson was great to work with. Always quick to respond and provided me what I needed without hesitation.
Dominic M.
Sellersville, PA
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