How will I know if a Pennsylvania Sheriff’s Sale or Tax Sale of my house has been scheduled?

How will I know if a Pennsylvania Sheriff’s Sale or Tax Sale of my house has been scheduled? 

 

According to Rule 2958.2 of the Pennsylvania Code, written notice of a Sheriff’s Sale or Tax Sale must be served upon the defendant (the borrower) at least 30 days prior to the sale date.  In almost all cases, an owner will know about a sale at least 30 days in advance.  The Sheriff’s Department in many Pennsylvania counties will provide more than 30 days’ notice.

There are numerous requirements for notifying the owner and the general public about a Sheriff’s Sale or Tax Sale.  Below is the complete list of notices that must be made:

–       The Sheriff’s office must post a notice of the sale in their office at least 30 days before the sale.

–       The Sheriff’s office must post a notice of the sale upon the property at least 30 days before the sale.

–       The sale date must be published for three consecutive weeks in one newspaper of general circulation in the county.  The first publication must be at least 21 days before the sale date.

–       The sale date must be published in the county legal publication, if there is one.  The first publication must be made at least 21 days before the sale date.

–       Notice must be delivered to the borrower(s) and the owner(s) of the property.  The notice can be served upon a competent adult at the residence(s) of the borrower(s) and owner(s).  Alternately, the notice can be sent by certified mail to the borrower(s) and owner(s).

In some cases, not all of the owners signed a mortgage and note with the lender.  Even though some owners may not owe money to the lender, the house can still be foreclosed.

The foreclosure sale or tax sale will not come as a surprise, as the owner will have at least 30 days’ notice.  In most cases, they will be given even more than 30 days’ notice.

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