MORTGAGE FORECLOSURE DIVERSION PROGRAM
Looks like the Cumberland Court of Common Pleas is taking steps to assist homeowners facing foreclosure. It is anticipated that later this year a mortgage foreclosure diversion program will be instituted. The program is designed to provide a sixty (60) day stay for all newly filed mortgage foreclosure actions where the property is an owner occupied residential property. During those 60 days, property owners will have the ability to participate in this program which will give them the opportunity to meet with a representative of the lender. A meeting will take place and the parties will attempt to work out reasonable arrangements before the mortgage foreclosure action proceeds.
Homeowners will have the option of having an attorney appointed to assist them with the negotiations. This will be provided to homeowners without cost to them. MidPenn Legal Services will serve as the representative for homeowners who qualifying based on financial factors. Those households that do not qualify for assistance by MidPenn, the program will rely upon private attorneys willing to provide pro bono services pursuant to a limited representation agreement. The attorneys will not obligated to provide continuing assistance to the homeowner after the initial conference. If the matter is not resolved through the initial conference, the attorney and the homeowner may enter into a separate agreement for legal services representing the homeowner in the mortgage foreclosure itself. Look for more information from the County.