This information was last updated on December 8, 2020
There is currently a moratorium (or pause) on most foreclosures under federal law. This moratorium expires on January 31, 2021. Please note: this moratorium does not apply to every mortgage. It only applies to the 70% of mortgages that are “government-insured,” such as FHA-insured mortgage or mortgages owned or guaranteed by FannieMae, FreddieMac, the Veterans Administration, or the USDA.
If you’re behind in your mortgage and/or a mortgage foreclosure has been filed against you, here is what you should know:
- Are you working with a housing counselor? You can connect with a free housing counselor (and legal aid lawyer, if necessary) to help guide you through the process by calling the Save Your Home Philly Hotline at 215-334-4663.
- Conciliation conferences in the Philadelphia Mortgage Foreclosure Diversion Program will likely not resume until 2021 or may be done over the phone. You will receive a letter from the Court at least 30 days before your conference.
- If you lost income after March 1 and do not qualify for PMAP, you should contact your mortgage company right away and request a COVID-19 forbearance. If you are in a forbearance, the mortgage company will postpone your payments. You will still need to pay these payments later. Click here for a list of common mortgage companies and their contact information.
- If you are now able to afford to make your payments again, you can apply for a loan modification that will give you an affordable monthly payment and bring you current on your mortgage.
- Sheriff sales that were scheduled for November and December have been rescheduled for January and February. Click here for the rescheduled sheriff sale dates.
- Are you have trouble with your reverse mortgage? You may have new rights as a result of federal law passed in response to COVID 19. Call the Save Your Home Philly Hotline at 215-334-4663 to talk with a free housing counselor about your rights.
- Click here for additional helpful information for homeowners from the federal Consumer Financial Protection Bureau.
- For more information about mortgage foreclosure during COVD from CLS click here.
Electric, gas, and landline companies will be allowed to resume shutoffs as of November 9th, 2020, subject to certain terms. Low-income customers at or below 300% Federal Poverty Level should be protected from gas or electric shutoff, as long as they follow certain steps. Please visit What to Do to Avoid Shutoff for information about avoiding gas and electric termination.
There will be NO water shut-offs in Philadelphia until at least April 1, 2021.
The Philadelphia Water Department will restore water service to all delinquent customers whose water has previously been terminated. The restoration fee will be waived. Customers that have been shut off for not repairing defects in their private plumbing will still need to make the necessary repairs to have their water restored
The Low Income Home Energy Assistance Program (LIHEAP) provides low-income families with a cash grant to help with heating assistance. Check the DHS website to see if you are eligible. Applications open November 2nd, 2020.
The Philadelphia Register of Wills is closed until further notice, except for some emergencies. This means that most heirs may not be able to raise the estates of their loved ones. Raising an estate is often necessary for heirs to change a deed out of the name of a deceased owner and assume a mortgage loan where the borrower has died. For questions regarding probate or estates, you can e-mail ROWonline@phila.gov or to speak to a CLS advocate, call 214-981-3700.
The Philadelphia Department of Records is also closed to in-person and mail recordings until further notice. This means that new property owners may not be able to record their interest in a property unless they record these interests electronically.
The City extended the payment deadline for 2020 property taxes to June 15, 2020.
If you owe property taxes, here is what you should know:
- Programs are available to help you with your back taxes and save your home.
- Are you working with a housing counselor? You can connect with a free housing counselor (and legal aid lawyer, if necessary) to help guide you through the property tax process by calling the Save Your Home Philly Hotline at 215-334-4663.
- All tax hearings in the Court of Common Pleas, including Rule hearings previously scheduled for Courtroom 676 of City Hall, have been postponed and will be rescheduled. You will receive a letter from the Court at least 30 days before your hearing.
- All tax hearings at the Tax Review Board that were postponed because of COVID-19 have now been rescheduled. You will receive a letter from the Tax Review Board approximately 30 days before your hearing. There are options to participate in-person or remotely. Call the Tax Review Board at 215-686-5216 or e-mail firstname.lastname@example.org for more information about scheduling.
- All tax Sheriff’s Sales previously postponed because of COVID-19 have been rescheduled for January and February. Click here for the rescheduled Sheriff’s Sale dates.
- The City of Philadelphia has posted guidance on several kinds of City taxes, including property taxes.
The U.S. Bankruptcy Court is open, with some changes. You can still file for bankruptcy, and if you file, the automatic protection from your creditors will still apply, if needed. During the COVID-19 pandemic, however, the Bankruptcy Court is only holding hearings by telephone.
If you are in an active bankruptcy case, you should immediately contact your bankruptcy attorney.
If you have are in an active bankruptcy case and do not have a lawyer, you should call the Bankruptcy Court for information on how to participate in hearings by phone. The Bankruptcy Court’s website has posted the phone conference numbers for each judge along with instructions.
All meetings of creditors with Chapter 7 or Chapter 13 trustees, sometimes called 341 meetings, will be postponed or held via video conferencing or telephone. Your trustee or bankruptcy attorney will provide you with a phone number or instructions on video conferencing in advance of your meeting.
Through December 31, 2020, Comcast will be offering two free months of internet service to new Internet Essentials customers to help them stay connected during the pandemic. After the two free months, the cost is $9.95 per month + tax. Households can check program eligibility requirements and apply for the program at the Internet Essentials website or call 855-846-8376 (English) or 855-765-6995 (Spanish).