Financial Services Division

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.

Our expertise includes foreclosure, bankruptcy, eviction, loss mitigation and REO, as well as related default, title and unusual litigation. The firm’s Financial Services Division partners are Stephen M. Hladik and Thomas M. Federman. The other attorneys who practice in HOF’s Financial Services Division include Athena Aitas, Danielle Boyle-Ebersole, Pamela Cunningham, Robert Williams, Jonathan Roman, James McArdle, Keith Reid and Thomas Dyer.

The HOF Group has deep roots in the residential mortgage servicing industry. Tom Federman and Steve Hladik – combined – have almost 60 years of default experience. Steve Hladik currently serves as Chair of the mortgage servicing industry trade group The Legal League. Many of our attorneys and staff have been in this space for 10-25 years. The HOF Law Group takes tremendous pride in our outstanding customer service, timelines, and exception management. Equally as important, many clients choose to refer unusual/sensitive default and ancillary litigation to the HOF Law Group, including issues related to UDAAP, FDCPA, RESPA and TILA.

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.