Foreclosure Defence

Foreclosure Defence

Every year, a large number of American home owners lose their homes because of foreclosure. This results from the inability of the home owner to successfully pay for the home. Added to the fact that the banks and lenders are always at a better position in regard to the knowledge of the law, the home owners are usually on the losing end.

However, through foreclosure defence, you can retain your home. Foreclosure defence involves the exploitation of legal flaws in the mortgage industry and can result in a modification of the terms of the mortgage. The loss of homes due to foreclosure is usually in favor of the lender or the bank; and these are the institutions that work hard through the foreclosure process to see home owners lose their property.

Get help from one of our lawyers here at Collegeville and you should be sure to get the best possible results.

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Foreclosure Defence

Foreclosure Defence Attorney

The Collegeville, Pennsylvania, Nahrgang and Associates law firm, has been in operation for over 20 years. The key to getting the best results in foreclosure defence is to seek an experienced foreclosure defence attorney. 20 years are more than is necessary to understand the ins and outs of the legal system.

If you are falling back in your mortgage payment, then you need to quickly contact a foreclosure defence attorney. This will help slow down or stop the foreclosure process. Otherwise, you will end up losing your home. At the worst, a Collegeville lawyer will help you retain your home for a longer period of time, during which the court will decide whether or not you should still keep the home.

Here are a few tips to help you successfully hire a foreclosure defence attorney:

  • Get you papers in order before meeting the lawyer. These are the papers showing the chronology of events that resulted in the foreclosure process.
  • Handle it like business. Many times, this kind of stress makes people want to add emotions to the subject. This only serves to reduce the worth of the time spent with the lawyer since emotions don’t matter in law. Instead you need to be objective and work from the facts of the matter.
  • Identify the problem. The bank could have lent you more money than you could afford, or could have violated the law by lending you the money.
  • Avoid lawyers who claim to be able to save your home even without understanding your situation first. Can you afford the house? If not, then the lawyer could just be a fraud.
  • On the same note, avoid lawyers who are highly pessimistic. You will notice these by their communication methods. For example, if they claim that there is nothing that can be done to save your home. At the worst, a foreclosure defence should result in extended time to help you get back in track with your payments.

The Foreclosure Process

The foreclosure process cannot be initiated in the first month of your defaulting of payment. In Pennyslavia, the process is started when you are at least 60 days behind in your payment. After this period, your lender will send you an Act 91 notice. This is a notice informing you of your right to get a loan from the state of Pennsylvania. Usually, this is hard to obtain. If you fail to obtain this loan, the lender will file a foreclosure complaint and send you a copy through the sheriff. As the home owner, you need to respond within 30 days, after which a judgment can be held, resulting in the sheriff selling off your property to settle the debt.    

Help With Foreclosure

If you need help with foreclosure, then you have a number of options. These include:

  • Changing the loan’s interest rate
  • Reducing the loan’s principal
  • Reducing your monthly payment
  • Reducing or eliminating your late fees
  • Reducing or eliminating penalties
  • Stopping the payment of the loan for a while
  • Extending the time for repayment of the loan
  • Filing for bankruptcy
  • Short selling the home
  • Exchanging the title of the home for release from mortgage obligations
Call for a Free Initial
Contact our office today to discuss your bankruptcy or family law questions. You can reach us by phone at 610-489-3041 or via e-mail. We will respond promptly to all phone calls and emails, within 24 hours.
Or you can just use the contact form below.


I have dealt with Matt for a few years for a couple of matters for myself and for my mother-in-law. Matt has always been a man of his word; anything he said he would do was done as expected. He provided timely and accurate advice when requested. Matt never pushed services that were not required and at certain times he recommended less costly services that would achieve the same results. I highly recommend him as very honest and ethical. He always disclosed fees in advance and there were never any "surprise" fees.— jimcar13
Mr Nahrgang was easy to work with, and did an excellent job with my case. Though my case turned out to be more complex than we had originally realized, he handled every complication promptly and competently.— eyedoc89
I was first recommended to Matthew Nahrgang by a friend. I was having serious financial issues at the time. I went to Matt and had a conversation which set my mind at ease. He is straight to the point, honest and tells you how it is. No frills kind of guy. He also is confident in his business and knows the law very well, which is what set me at ease. It was not near a big deal as I thought it to be. He does what he says he is going to do and does it in a timely manner. I have used Matt a few times now and I've recommend him to many of my friends and business acquaintances. I highly recommend Matthew Nahrgang!— my1leelee
In relation to my bankruptcy and in retrospect, I was thankful that I had discovered Mr. Nahrgang and had engaged him to respresent me in my case. I found him to be respectful, understanding, highly knowledgeable and trustworthy. I appreciate all that he did on my behalf and have recommended him to friends and family.— Orangefit09
Areas we serve
The Collegeville, Pennsylvania based law firm of Nahrgang & Associates, P.C. represents clients in the counties of Montgomery, Bucks, Delaware, Chester, Berks, Philadelphia, Lancaster, Northampton and Lehigh including the communities of Collegeville, Jenkintown, Doylestown, West Chester, Reading, Media, Allentown, Norristown, Phoenixville, Quakertown, Pottstown, Lansdale, Royersford, Plymouth Meeting, Exton, Conshohocken and King of Prussia, PA.
Our location
Nahrgang & Associates, P.C
35 Evansburg Road, Suite 3 Collegeville, PA 19426
Phone: 610-489-3041
Toll Free:
Fax: 610-489-3042