Can I challenge a foreclosure in the courts?
Yes, you can challenge a foreclosure in the courts in Pennsylvania. Foreclosure Defense Law is the practice of using legal remedies to help homeowners who are facing foreclosure. In Pennsylvania, a homeowner has the right to file a notice of appeal in the court where the foreclosure action was started or the court of common pleas of the county in which the mortgaged property is located. If a homeowner does not agree with the foreclosure, they can challenge the foreclosure in the court. The homeowner may allege violations of the law or of the contract between them and their mortgage lender. For instance, they can dispute a claim that the foreclosure is valid by stating that the mortgage lender failed to send proper notice of the foreclosure or that the amount of the loan has been miscalculated. When a homeowner files an appeal, the court conducts a hearing and reviews the homeowner’s claims and evidence to determine if the foreclosure is valid. If the court rules in favor of the homeowner, the foreclosure is invalid and the homeowner may continue to live in their home without fear of foreclosure. If at any point in the foreclosure defense process a homeowner cannot afford a lawyer, they can get advice from a legal aid office or a pro bono attorney. These attorneys may be able to help the homeowner challenge the foreclosure in court. It is important to remember that hiring a foreclosure defense lawyer as soon as possible is the best way to protect your rights and preserve your home.
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