BANKRUPTCY IN LATE 2020October 5, 2020
As many of you know from my previous blogs, I handle consumer bankruptcies in Harrisburg, Pennsylvania. Despite the turmoil from the pandemic in 2020, the bankruptcy practice has been fairly quiet. This has been caused by the government’s intervention in the economy and the various stimulus programs available to consumers.
If any of you have received a stimulus check or enhanced unemployment, you are aware of what I am talking about. Besides these programs, state and federal governments have also instituted a variety of moratoriums on foreclosures and evictions. The Public Utility Commission has stopped utility shut-offs through September 17, 2020. These are all worthwhile protections for consumers in this difficult time.
Regrettably, many of these moratoriums are now reaching their scheduled deadlines. This means that if you have issues related to your residential mortgage or your rent is behind, you need to plan accordingly.
Check your mail and review all legal notices on your property. Most Counties have halted Sheriff sales in Pennsylvania this Fall. Continue to monitor these deadlines, since many Counties are expected to start scheduling Sheriff Sales and evictions soon.
Governor Wolf extended the emergency declaration on August 31, 2020 for another (90) ninety days, but this Order does not prevent foreclosures or evictions. However, there is a new program administered by the Centers For Disease Control to stop residential evictions.
All these mixed signals can be stressful. For this reason, it is important that you prepare to take action to stay a Sheriff’s sale or eviction if you wish to remain in your home.
Here at Daley Zucker, we are able to assist you with a Chapter 13 Bankruptcy, which will act as a stay to protect your home until you are able to set up a payment plan to pay your rent arrears, mortgage arrears, or seek a loan modification.
If we can assist you in this way, please feel free to call me, Steven P. Miner, Esquire at (717) 724-9821.