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). Chapter 13 stops foreclosure, collections, and lawsuits.Most debts are repaid interest and penalty-free. An attorney can review your financial situation and help you determine if there are ways to prevent foreclosure. A Philadelphia foreclosure lawyer at our firm can protect your homeowner rights to help you save your home. 2) Upon receipt of this Order, the HomeownerDefendant shall contact SAVE YOUR HOME PHILLY. The foreclosure process starts when the mortgage lender provides the homeowner with a written "Notice of Intent to Foreclose. You will have 30 days to respond or settle debts with your lender before the foreclosure process starts in court.