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A foreclosure is a court case to collect on a delinquent mortgage.  If the homeowner loses, the mortgage company can conduct a sheriff sale of the property to collect the debt.

When a mortgage company files a foreclosure against a borrower’s home, the court schedules the case for a conciliation conference at City Hall before the mortgage company can take a default judgment.  The homeowner has the opportunity to work with a housing counselor, and sometimes an attorney, to try to reach a resolution of the mortgage delinquency that will save the home.

What we can do: 

CLS represents a limited number of  homeowners who have been sued in foreclosure cases in Philadelphia. We also represent a limited number of homeowners in  Chapter 13 Bankruptcy cases to allow them to pay mortgage arrears over time.

How to get help:

Phone Intake

Save Your Home Philly Hotline