Facing Sheriff Sale in York County? You Have Options.

If you’ve received notice that your York 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 represent homeowners throughout York County, including York, Hanover, Red Lion, Spring Grove, and all surrounding communities. York County regularly has over 100 properties listed for sheriff sale, underscoring the importance of knowing your legal options.

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.

York County Sheriff Sale Process

York County lists sheriff sales through the Attorney Portal system. Sales are conducted at the York County Judicial Center.

Sheriff sale listing system: York County Attorney Portal (attorneyportal.yorkcountypa.gov)

County courthouse: York County Judicial Center, 45 N. George Street, York, PA 17401

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

Frequently Asked Questions — York County Foreclosure

Where can I find York County sheriff sale listings?

York County maintains sheriff sale listings on the Attorney Portal at attorneyportal.yorkcountypa.gov. If you find your property listed, contact us immediately — there are options even at the last minute.

Can Chapter 13 help if my York County home has a second mortgage?

Yes. If your first mortgage exceeds your home’s value, Chapter 13 may allow you to “strip off” the second mortgage entirely, converting it to an unsecured debt that can be partially or fully eliminated through your plan.

How much of my income goes to a Chapter 13 plan?

Your plan payment is based on your disposable income — what’s left after necessary living expenses. Plans are designed to be affordable while catching up on your mortgage arrears over 3–5 years.

Can I file Chapter 13 if I’ve filed bankruptcy before?

Generally yes, though waiting periods may apply depending on when you received a prior discharge. If your previous case was dismissed (not discharged), you may be able to file again immediately. We evaluate your specific history during consultation.

Get Help Now

Don’t wait until it’s too late to save your York 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 Lancaster County
• Foreclosure Help in Chester County

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