Pittsburgh homeowners in foreclosure:

Learn How to Stop Your Foreclosure Today

Foreclosure help in Pittsburgh, PA

What to do when you're struggling

If you are a homeowner dealing with financial challenges, you no doubt feel the pressure of potential foreclosure and bankruptcy actions. Though these cases are somewhat intertwined, they are separate proceedings with different laws and regulations. Without the necessary legal background to protect your interests, you put your home and credit rating at risk.

Fortunately, you do have options under federal and Pennsylvania law. Our foreclosure bankruptcy attorneys at Ark Law Group can help you in developing a strategy that makes sense for your financial needs. With the assistance of a knowledgeable lawyer, there is less fear of the unknown. You are empowered to save your home and take control over your future.

Understanding your options in foreclosure

Bankruptcy is not an answer in all situations involving foreclosure, but it may be appropriate and advantageous in certain cases. With the assistance of a lawyer, you may want to consider the following options.

Chapter 13 Bankruptcy

As a debt reorganization plan, you are allowed to retain certain types of property as you pay back your debts. Your home qualifies as real estate you can keep in Chapter 13. If you are behind on your mortgage, these amounts can be transferred over to the monthly payment you make to your bankruptcy trustee. A lender cannot pursue foreclosure while your case is before a bankruptcy court, but you are still obligated to make payments on the mortgage.

Foreclosure Mediation Program

Homeowners in Pittsburgh, PA may qualify for the Allegheny County Residential Foreclosure Mediation Program if a foreclosure action has already been filed. In the mediation process, you meet with your lender and a third-party, neutral mediator to discuss your circumstances. The mediator’s job is to encourage productive conversations that may help you come to an agreement with the bank. If you are able to work out a loan modification, you can remain in your home as long as you remain current on your new payment obligations.

What you should know about foreclosure

Homeowners often presume the worst about foreclosure, but it’s critical to understand how the process works. An overview of some key points may help.

  • Your inability to pay impacts both principal and interest, so late payments may be partially or completely absorbed by the bank.
  • If you cannot pay your mortgage or are late on payments, your lender may take action right away.
  • Laws protect homeowners, so you won't lose your home right away. The bank must comply with legal requirements on time limits and other regulations.
  • Any time foreclosure is a threat, you put your home and credit rating at risk if you do not address the situation.
Happy Pittsburgh couple

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.

Bankruptcy

Bankruptcy

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

Foreclosure
Sale Postponements

It's possible to postpone your sale date.

Relocation Incentive Programs

Relocation
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

Ejection

We’ve helped over 2,300 homeowners get relief

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We respect your privacy. By giving us your information, you agree to be contacted by Ark Law Group by phone at the number you provide. If you prefer, you may call 1-800-603-3525 during business hours for immediate service.

Meet our experienced team

Pittsburgh Foreclosure Attorney

Nadia Kourehdar

Managing Attorney
"My personal mission is to revolutionize the legal industry by making high-quality legal representation affordable for everyone."
Pittsburgh 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."
Pittsburgh 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."
2,572
Short sale approval
letters received
$241,755,976
Mortgage Debt
Eliminated
2,542
Loan Modification
clients served

Ark Law Group results

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

Trial Payment Plan
Loancare
Trial Payment Plan
Stewartstown, PA
 
May 17, 2017
Trial Payment Plan
Bayview
Trial Payment Plan
Quarryville, PA
 
March 15, 2017
Pittsburgh Pennsylvania Attorney

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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Are you ready to see what Ark Law Group can do for you?