Facing Sheriff Sale in Montgomery County? You Have Options.

If you’ve received notice that your Montgomery 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 Montgomery County — from Norristown and King of Prussia to Lansdale, Pottstown, Conshohocken, and Lower Merion. Montgomery County has one of the highest volumes of sheriff sale listings in the Philadelphia suburbs, making timely legal action critical.

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.

Montgomery County Sheriff Sale Process

Montgomery County conducts sheriff sales through the CivilView system. Sales are held at the Montgomery County Courthouse in Norristown, typically on a monthly basis.

Sheriff sale listing system: CivilView (salesweb.civilview.com)

County courthouse: Montgomery County Courthouse, Airy & Swede Streets, Norristown, PA 19401

If your property appears on the Montgomery 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 — Montgomery County Foreclosure

How quickly can I stop a Montgomery County sheriff sale?

The automatic stay takes effect the instant your Chapter 13 petition is filed with the bankruptcy court. In emergency situations, we can prepare and file a petition within 24–48 hours. The earlier you contact us, the better prepared your case will be.

My Montgomery County home is in a HOA. Can Chapter 13 help with HOA fees?

Yes. Delinquent HOA fees that accrued before filing can be included in your Chapter 13 plan. However, you must stay current on post-filing HOA assessments. This is especially relevant in Montgomery County communities with active homeowner associations.

What documents do I need to file Chapter 13 in Montgomery County?

You’ll need recent pay stubs, tax returns (2 years), mortgage statements, a list of all debts, proof of any income, and your property deed or mortgage documents. We walk you through everything during your free consultation.

Is there a deadline to file before a Montgomery County sheriff sale?

Technically, you can file up until the gavel drops. But we recommend calling at least 1–2 weeks before the sale date to ensure your petition is complete and properly filed. Earlier is always better.

Get Help Now

Don’t wait until it’s too late to save your Montgomery County home. Every day you delay reduces your options. 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 Delaware County
• Foreclosure Help in Chester County
• Foreclosure Help in Philadelphia

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