In Pennsylvania, the lender has to send you (the borrower) a notice of intent to foreclose at least 30 days before starting a foreclosure. The bank must send the borrower the notice of intent to foreclose at least 30 days before starting the state foreclosure process.The Act 91 Notice is a crucial legal requirement under Pennsylvania law for mortgage lenders seeking to foreclose on residential properties. In Pennsylvania, the notice must include information on the PA Homeowner's Emergency Assistance Program, known as an Act 91 notice. How does the foreclosure process work? Before a residential mortgage can be foreclosed in Pennsylvania, the lender must give a 30-day notice of intention to foreclose (also known as an Act 6 Notice). Before the lender starts foreclosure, they will generally have to send out two letters through the mail to notify you of their intent to begin foreclosure soon. After missing the first payment, the lender will reach out via a letter or telephone. Secured Loans for Personal Property. Although the Statute does not eliminate any lien that a creditor has if the loan is secured (e.g.
