Learn about Pennsylvania's foreclosure laws and process, from missing your first payment to a foreclosure sale. Fill out a Civil Cover Sheet. a.Write "Lycoming" before the word "County" in the top left corner. b. You, the borrower, need to keep in mind that you have just 20 days to file an answer to a foreclosure complaint; otherwise, a notice of default can be entered. This is the legal document relating to foreclosure. You can file complaint; however it will likely be dismissed shortly if the other side presents the judgement in the case you are currently appealing. ,. : IN THE COURT OF COMMON PLEAS OF. Plaintiff. Pleading More Than One Cause of Action. There are two different Pennsylvania laws that require very specific pre-foreclosure notices (Act 6 and Act 91), depending on the type of mortgage you have. As such, borrowers may file a response to the foreclosure complaint within 30 days of receiving the complaint.