In Pennsylvania, the Act 91 Notice or the Notice of Intention to Foreclose needs to be sent by the lender prior to referring your case to their legal counsel to initiate foreclosure. The earliest they can send these documents to the delinquent borrower is on the 61st day of delinquency. The foreclosure process can not begin until the borrower is more than 120 days delinquent.
What is the first document that the lender will send indicating that foreclosure action is about to proceed?
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