If you are facing foreclosure in Pennsylvania, you should familiarize yourself with the steps in a Pennsylvania foreclosure so you know what to expect, how much time you have before the sale occurs, and what you can do if you want to try to avoid the foreclosure.

In Pennsylvania, the mortgage lender must give you notice 30 days before it starts the proceedings. And then it must sue you in court -- this is called a judicial foreclosure. Along the way, you will have the opportunity to answer the lawsuit and raise defenses. Depending on which county you live in, you may also be able to participate in a conciliation or diversion program designed to help you explore alternatives to foreclosure with your lender.

Below you can find articles about Pennsylvania foreclosure and foreclosure conciliation programs. Also be sure to check out our Foreclosure section for more articles on fighting your foreclosure in court, federal government loan modication and loss mitigation programs (like HAMP), and alternatives to foreclosure.