Default Servicing

Hladik, Onorato & Federman Law Firm Partners

Even in strong economic times foreclosures are a standard component of the mortgage industry. Like mortgages, real estate tax sales are scheduled every spring and fall no matter the relative health of the economy. Mindful of this, Hladik, Onorato & Federman, LLP represents clients in lending matters with creativity and innovation.

The Default Servicing Department is headed by partners Stephen M. Hladik and Thomas Federman.  Mr. Hladik is a former Pennsylvania Deputy Attorney General in charge of the Harrisburg office of the state’s Bureau of Consumer Protection, and a recognized expert in lending law, Mortgage Foreclosure and Tax Sale Law, and has represented clients from every sector of the mortgage industry.  Mr. Federman has practiced in all aspects of default servicing for almost a quarter century, successfully representing mortgage servicers and lenders in numerous matters.

When properties are lost or imperiled at real estate tax sales, Hladik, Onorato & Federman, LLP assists clients, whether lenders, servicers or property owners by:

  • Contesting tax sales
    • Reviewing tax sales for compliance with applicable laws and regulations
    • Filing petitions to set aside tax sales or affirmative litigation to overturn tax sales
    • Handling quiet title actions for properties involved in tax sales
    • Defending lenders in damage actions brought by homeowners or investors
    • Clearing title for lenders or buyers
    • Bidding at tax sales
    • Handling insurance claims with outsourced escrow agents

Hladik, Onorato & Federman, LLP not only affords its mortgage, foreclosure and tax sale law clients the expertise available only from an established authority in the field, but the high level of individual attention to clients’ needs that cannot be had at big, impersonal law firms.

Hladik, Onorato & Federman, has a wide range of experience in:

  • Mortgage Foreclosures
  • Chapters 7, 12 and 13 Bankruptcy matters
  • Evictions / Ejectments
  • Real Estate Closings
  • Contested Litigation
  • Quiet Titles

For more information contact attorneys:

Stephen M. Hladik at 267-662-9022 or via email at:

Thomas M. Federman via email at:

for more information or an appointment.