 
          Personal attention to the needs of our clients, experience in a broad array of specialties and relationships with decision-makers are the characteristics that leads people to turn to Hladik, Onorato and Federman, LLP for legal needs. Mortgage Law Department. 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, our Firm represents clients in lending matters with creativity and innovation. Led by Stephen M. Hladik, a former Deputy Attorney General in charge of the Harrisburg office of the Bureau of Consumer Protection and a recognized expert in lending law, the Mortgage, Foreclosure and Tax Sale Law Practice has represented clients from every sector of the mortgage industry. The Mortgage Law Department handles all aspects of foreclosure, bankruptcy, eviction, REO, tax sales, TILA, RESPA, FDCPA and UDAP.