Foreclosures
Foreclosure Defense & Bankruptcy Attorney
Helping Homeowners in Johnstown, Clearfield, Somerset & Punxsutawney Save Their Homes
If you’ve fallen behind on your mortgage and are facing the threat of foreclosure, know this: you are not alone—and you do have options. At The Debt Erasers, we help people throughout Johnstown, Clearfield, Punxsutawney, and Somerset, Pennsylvania, stop foreclosure and keep their homes through the protection of bankruptcy law.
We understand how stressful it is to receive foreclosure notices, phone calls from lenders, and the constant fear of losing your home. As an experienced foreclosure and bankruptcy lawyer, we’ll guide you through every legal option available and fight to protect what matters most—your home and your peace of mind.
No Pressure - Just Answers
How Bankruptcy Stops Foreclosure
One of the most powerful tools to stop a home foreclosure is Chapter 13 bankruptcy. Filing for Chapter 13 puts an immediate stop (called an “automatic stay”) on foreclosure proceedings. That means:
- The foreclosure process must pause.
- Your lender can’t proceed with a sheriff sale or force you out of your home.
You now have the opportunity to catch up on missed mortgage payments over time.
What Is Chapter 13 Bankruptcy?
Chapter 13 bankruptcy is designed to help individuals reorganize their debt while keeping their property. In the case of foreclosure, Chapter 13 allows you to:
- Repay missed mortgage payments (arrears) over 3–5 years
- Avoid additional late fees, penalties, or interest on what you owe
- Stay in your home while making manageable monthly payments through a court-approved plan
This process gives you the chance to get current on your mortgage without losing your home—even if foreclosure proceedings have already started.
Don’t Wait Until It’s Too Late
In Pennsylvania, once your lender obtains a judgment and schedules a sheriff’s sale, your window to stop foreclosure narrows significantly. The sooner you speak with a foreclosure attorney in Johnstown, the more options you’ll have.
We’ve helped many local homeowners in Somerset, Clearfield, Punxsutawney, and the surrounding areas stop foreclosure just in time—but acting early gives you the best chance to protect your home and your credit.
Common Foreclosure Questions
Can bankruptcy erase foreclosure in Johnstown, PA?
Yes. Chapter 13 bankruptcy can stop a foreclosure and allow you to catch up on missed payments. While it doesn’t erase your mortgage, it can prevent the lender from taking your home and give you time to repay the overdue amount.
What if my home is already scheduled for sheriff sale?
Bankruptcy can still help. As long as the sale hasn’t been completed, filing for Chapter 13 can immediately halt the process.
Will I lose my home if I file bankruptcy?
Not necessarily. In fact, many people file bankruptcy to keep their home. Chapter 13 is specifically designed to help homeowners stay in their homes while paying off their debt.
Why Work with a Local Foreclosure Attorney?
Navigating foreclosure and bankruptcy law is complex—and the stakes are incredibly high. By working with a Johnstown-based foreclosure and bankruptcy lawyer, you benefit from:
- Local knowledge of Pennsylvania foreclosure timelines and court procedures
- One-on-one support from someone who truly cares about your outcome
- A detailed strategy tailored to your financial situation
- Protection from aggressive lenders and legal missteps
At The Debt Erasers, we’re not just lawyers—we’re advocates for your future. We’ll take the time to understand your situation and provide the honest, compassionate guidance you need to move forward. Your home is more than just a roof over your head—it’s your family’s safe place, your investment, and your future. If foreclosure is threatening to take that away, don’t wait another day.
Call The Debt Erasers today for a free, confidential consultation with a trusted foreclosure and bankruptcy attorney in Johnstown, PA. We’ll explain your rights, your options, and how we can help you keep your home—and get your life back on track.
Help Is Closer Than You Think
Johnstown Office
319 Washington Street, Suite 238
Johnstown, PA 15901
814-536-7470
Clearfield Office
301 E. Pine Street
Clearfield, PA 16830
814-765-2699
Somerset Office
118 South Kimberly Street, Suite 30
Somerset, PA 15501
814-536-7470
Punxsutawney Office
103 North Gilpin Street, Suite 307
Punxsutawney, PA 15767
814-765-2699
Contact Us About Your Case
Ready to take the first step toward a fresh financial start? Contact The Debt Erasers today to schedule your free consultation. We’ll listen to your situation, answer your questions, and help you build a clear, personalized gameplan for debt relief through Chapter 7 or Chapter 13 bankruptcy. There’s no pressure—just honest guidance from a team that truly cares.