Facing Sheriff Sale in Delaware County? You Have Options.

If you’ve received notice that your Delaware County home is scheduled for sheriff sale, you may feel like there’s nothing you can do. That’s not true. Federal law provides a powerful tool called Chapter 13 bankruptcy that can immediately stop your foreclosure and give you a structured path to keep your home.

As a law firm headquartered in Media — the Delaware County seat — we are uniquely positioned to help homeowners throughout Delaware County, from Upper Darby and Drexel Hill to Springfield, Swarthmore, and Chester. We regularly appear before the Delaware County Court of Common Pleas and have deep familiarity with the local sheriff sale process.

How Chapter 13 Bankruptcy Saves Your Home

Chapter 13 bankruptcy is specifically designed for individuals with regular income who want to keep their property while catching up on missed payments. Here’s what it does for you:

✅ Stops your sheriff sale immediately: The federal automatic stay halts all foreclosure proceedings the moment your Chapter 13 petition is filed with the bankruptcy court.

✅ You stay in your home: Unlike Chapter 7, Chapter 13 is specifically designed for homeowners. You remain in your home throughout the entire repayment process.

✅ Missed payments are restructured: Your mortgage arrears are spread into affordable monthly payments over 3–5 years, while you resume regular mortgage payments going forward.

✅ Other debts can be reduced or eliminated: Credit cards, medical bills, and unsecured debts can be addressed in your plan, freeing up more money for your mortgage.

✅ Creditor harassment ends: No more collection calls, threatening letters, or wage garnishments. The automatic stay applies to all creditors.

✅ Your lender must accept the plan: If your Chapter 13 plan meets federal legal requirements, your mortgage company is required by law to accept it.

Delaware County Sheriff Sale Process

Sheriff sales in Delaware County are typically held on the first Wednesday of each month at the Delaware County Courthouse in Media. Sale listings are published through the CivilView system at salesweb.civilview.com.

County courthouse: Delaware County Courthouse, 201 W. Front Street, Pennsylvania 19063

If your property appears on the Delaware County sheriff sale list, time is of the essence. Contact us immediately for a free evaluation of your options. In many cases, we can file a Chapter 13 petition within days to stop the sale.

Frequently Asked Questions — Delaware County Foreclosure

How late can I file to stop a Delaware County sheriff sale?

You can file a Chapter 13 petition up until the moment the sheriff sale is conducted. However, we strongly recommend contacting us as soon as possible to allow adequate time to prepare your petition and schedules. The automatic stay takes effect immediately upon filing.

What if my Delaware County home is underwater?

Chapter 13 can still help even if you owe more than your home is worth. While the primary mortgage cannot be modified on your principal residence, a Chapter 13 plan can strip off wholly unsecured junior liens and restructure your arrears over the plan period.

How much does it cost to file Chapter 13 in Delaware County?

The court filing fee is $338, and attorney fees are typically paid through your Chapter 13 plan over 3–5 years, meaning minimal upfront costs. We offer free consultations to discuss your specific situation.

Can I save my Delaware County home if I’ve already been denied a loan modification?

Yes. Chapter 13 bankruptcy is completely separate from the loan modification process. The automatic stay and your right to restructure arrears through a court-approved plan exist under federal law, regardless of your lender’s prior decisions.

Get Help Now

Don’t wait until it’s too late to save your Delaware County home. Every day you delay reduces your options. Contact Siddons Law Firm for a free, confidential consultation about your foreclosure situation.

Related Resources

• Chapter 13 Bankruptcy Overview
• Complete Guide to Filing Bankruptcy in PA
• Bankruptcy FAQ
• Foreclosure Help in Chester County
• Foreclosure Help in Montgomery County
• Foreclosure Help in Philadelphia

This communication is from a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.