When your home is at risk of foreclosure, immediate legal action can make the difference between saving your property and losing it at sheriff sale. John M. Kenney is an experienced Home Foreclosure Defense Attorney serving homeowners throughout Pennsylvania, including Bucks County, Montgomery County, Philadelphia County, Chester County, and surrounding areas. Whether you have received a foreclosure complaint, an Act 6 notice, or a sheriff sale date, there may still be legal options available to protect your home and your financial future. (Grim Law)
A foreclosure defense attorney protects homeowners by challenging improper lender actions, negotiating with mortgage companies, and using legal tools to delay or stop foreclosure proceedings. In Pennsylvania, foreclosure is a judicial process, meaning lenders must file in court before taking your home.
John M. Kenney helps clients by:
Because every foreclosure case moves on strict deadlines, acting early greatly improves your legal options.
Pennsylvania foreclosure law gives homeowners important rights, but those rights must be exercised quickly.
Before filing for foreclosure, lenders generally must send a formal default notice explaining missed payments and the amount required to cure the delinquency.
Pennsylvania lenders must typically issue foreclosure warning notices before filing suit:
• Act 6 Notice: Gives at least 30 days before foreclosure filing.
• Act 91 Notice: Advises eligible homeowners about mortgage assistance and counseling rights.
These notices are legally significant because improper notice may create foreclosure defenses.
If a foreclosure judgment is entered against you:
• The lender obtains court authorization
• Sheriff sale is scheduled
• Notice must be posted and served at least 30 days before the sale
• The sale is publicly advertised before the auction
If you need to stop a sheriff sale in Bucks County, legal intervention must occur before the scheduled auction date.
Several foreclosure defense strategies may help save your home, depending on timing and financial circumstances.
A loan modification may restructure mortgage terms by:
• Reducing monthly payments
• Extending the repayment term
• Adding arrears to the balance
An attorney can ensure lenders properly review modification applications.
Some counties offer foreclosure diversion or mediation programs that allow negotiation before a sheriff sale. In many cases, homeowners in Bucks and Montgomery Counties may qualify for court-assisted resolution channels.
Filing Chapter 13 bankruptcy immediately triggers an automatic stay that halts foreclosure proceedings, including sheriff sales.
Chapter 13 may allow homeowners to:
• Stop active foreclosure litigation
• Catch up on missed mortgage arrears over 3–5 years
• Keep their home while resuming current payments
For many families, Chapter 13 bankruptcy to stop foreclosure in PA is one of the strongest legal protections available.
John M. Kenney provides direct, strategic foreclosure defense focused on immediate relief and long-term home retention.
He helps clients across:
Each case begins with a careful review of lender filings, notice compliance, and available defense pathways.
Yes. Depending on timing, options may include bankruptcy filing, reinstatement, lender negotiation, or legal challenge to sale procedures.
It often takes several months to over a year, depending on court schedules, defenses raised, and lender actions.
It is a Pennsylvania-required foreclosure warning notice advising homeowners of mortgage assistance rights before foreclosure filing.
Yes. If filed before sale completion, Chapter 13 usually stops the sheriff sale immediately through automatic stay protection.
The lender may obtain a default judgment, making foreclosure much harder to stop.
Often yes, especially if action is taken early enough for modification, mediation, or bankruptcy intervention.
Yes. He assists clients throughout Montgomery County and neighboring Pennsylvania counties.
Yes. Improper notice, inaccurate balances, and missing documentation may create valid defenses.
If you are facing foreclosure, do not wait until your sheriff sale date is near. Contact John M. Kenney now to review your legal options and protect your home before foreclosure advances further.
Schedule a foreclosure defense consultation today (215-547-3031) and act before it is too late.
