Stop Foreclosure. Save Your Home. Get a Fresh Start.
If you are facing mortgage foreclosure in Pennsylvania, Maryland, New Jersey, or New York, you have legal options that can stop the process and help you keep your home. Attorney Michael A. Siddons has helped hundreds of homeowners halt foreclosure proceedings through strategic use of federal bankruptcy protections.
How Bankruptcy Stops Foreclosure
The moment a bankruptcy petition is filed with the court, a powerful federal protection called the automatic stay goes into effect. This immediately stops all collection activity, including mortgage foreclosure sales, sheriff sales, and trustee auctions. The automatic stay applies regardless of how far along your foreclosure has progressed — even if the sale is scheduled for next week.
Chapter 13 Bankruptcy: Keep Your Home and Catch Up on Payments
Chapter 13 bankruptcy is the most common tool for foreclosure defense. It allows you to keep your home while restructuring your mortgage arrears into a manageable 3-to-5-year repayment plan. During this time, your lender cannot foreclose. Key benefits include:
- Immediate stop to foreclosure proceedings via the automatic stay
- Catch up on missed payments over 3 to 5 years while keeping your home
- Strip second mortgages if your home is worth less than what you owe on the first mortgage
- Reduce or eliminate other debts (credit cards, medical bills) to free up cash flow for your mortgage
- Protection from creditor harassment — all collection calls and lawsuits stop
Chapter 7 Bankruptcy: Eliminate Debt and Start Over
If keeping the home is not feasible — or if you want a complete fresh start — Chapter 7 bankruptcy can eliminate your personal liability on the mortgage and discharge most other debts in as little as 90 days. This gives you time and breathing room to plan your next steps without the burden of overwhelming debt.
Foreclosure Defense Across Four States
Siddons Law Firm represents homeowners facing foreclosure throughout Pennsylvania (all 67 counties), New Jersey (18 counties), Maryland (24 counties), and New York. Each state has different foreclosure procedures — Pennsylvania and New Jersey use judicial foreclosure through the courts, while Maryland uses a non-judicial power-of-sale process that can move very quickly. Attorney Siddons understands the specific rules and timelines in each jurisdiction and will act fast to protect your rights.
Warning Signs That You Need to Act Now
- You have received a Notice of Intent to Foreclose or a Notice of Default
- Your mortgage is 3 or more months behind
- You have received a sheriff sale notice or trustee sale date
- Your lender has refused to work with you on a modification
- You are being contacted by the lender’s attorneys
The earlier you contact an attorney, the more options are available. Do not wait until the sale date — by then, some options may have expired.
Why Choose Siddons Law Firm for Foreclosure Defense
- AV Preeminent Rated by Martindale-Hubbell — the highest possible rating for legal ability and ethics
- AVVO 10.0 “Superb” rated attorney
- 1,000+ clients represented in bankruptcy and debt relief matters
- “10 Best Bankruptcy Attorneys in Pennsylvania” for Client Satisfaction
- Multi-state practice — licensed in PA, NJ, MD, and NY
- You work directly with Attorney Siddons — your case is never handed off to a paralegal or associate
Free Consultation — Call Today
If you are behind on your mortgage or facing foreclosure, do not wait. The automatic stay can stop the process, but you have to act. Call (610) 255-7500 for a free, confidential consultation with Attorney Michael A. Siddons. We have offices in Media, PA; Rising Sun, MD; and Staten Island, NY.
