Facing Sheriff Sale in Lancaster County? You Have Options.

If you’ve received notice that your Lancaster 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.

We serve homeowners across Lancaster County, from the city of Lancaster to Ephrata, Lititz, Manheim, Columbia, and the surrounding communities. Lancaster County’s diverse housing market means foreclosure can affect anyone — and Chapter 13 provides a path to keep your home regardless of your neighborhood.

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:

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

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

✅ Missed payments are restructured: Mortgage arrears are spread into affordable monthly payments over 3–5 years.

✅ Other debts can be reduced or eliminated: Credit cards, medical bills, and unsecured debts can be addressed in your plan.

✅ Creditor harassment ends: No more collection calls, threatening letters, or wage garnishments.

✅ Your lender must accept the plan: If it meets federal legal requirements, your mortgage company must comply.

Lancaster County Sheriff Sale Process

Lancaster County sheriff sales are managed through the CountySuite system and held at the Lancaster County Courthouse.

Sheriff sale listing system: CountySuite (portal.lancaster.pa.countysuite-azuregov.us)

County courthouse: Lancaster County Courthouse, 50 N. Duke Street, Lancaster, PA 17602

If your property appears on the Lancaster County sheriff sale list, time is of the essence. Contact us immediately for a free evaluation.

Frequently Asked Questions — Lancaster County Foreclosure

Can I keep my Lancaster County farm under Chapter 13?

Chapter 13 can protect agricultural properties, though family farmers may also want to consider Chapter 12 bankruptcy, which is specifically designed for farming operations. We can evaluate which chapter provides the best protection for your situation.

How are Lancaster County sheriff sales conducted?

Lancaster County publishes sale listings through the CountySuite online portal. Properties are sold at the courthouse in Lancaster. If your property is listed, the sooner you act, the more options you have.

What debts can be included in a Lancaster County Chapter 13 plan?

Virtually all debts can be addressed: mortgage arrears, car loans, credit cards, medical bills, tax debts, and personal loans. Your plan consolidates everything into one manageable monthly payment.

Will I lose my Lancaster County home’s equity in Chapter 13?

No. Unlike Chapter 7, Chapter 13 does not require liquidation of your assets. You keep your home and all its equity while catching up on missed payments through the plan.

Get Help Now

Don’t wait until it’s too late to save your Lancaster County home. Contact Siddons Law Firm for a free, confidential consultation.

Related Resources

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

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