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Pennsylvania Foreclosure Laws

Judicial Yes
Non-Judicial No
Process Period 270 Days
Sale Publication NA
Redemption Period None
Sale / NTS Sheriff

Judicial Foreclosures: The foreclosure process can only begin if the borrower is 60 days or more late on their payments. The lender should send the borrower two letters before the start of the foreclosure. These letters warn the borrower of a possible foreclosure, and will give the borrower an option to prevent the foreclosure from happening. The borrower is given 2-4 months to keep the foreclosure from happening. If the borrower cannot find a way to pay off the debt, the borrower is notified in person or through publication of the foreclosure. The borrower has one month to respond before the court moves to have the property sold.

Non-Judicial Foreclosures: In the state of Pennsylvania out of court proceedings are not used.

Sale: The notice of sale is sent to the borrower and is posted on the property itself. The notice of sale should also be published in the local newspaper as well as a general interest newspaper once a week for three weeks. The sale is conducted through public auction and takes place usually 2 months after the courts decision. The property is awarded to the highest bidder. The borrower has up to an hour before the sale to pay the full amount owed, following the sale there is no right for redemption.

Additional Information on Pennsylvania Foreclosure