Pennsylvania Mortgage Foreclosures Update 2026

Mr. Hladik is a partner in the North Wales law firm of Hladik, Onorato & Federman, LLP, where he focuses his practice in the areas of mortgage law, bankruptcy law, tax sale and real estate law. He was in private practice prior to joining the firm. He has spoken for the Pennsylvania Bar Association and frequently conducts continuing legal education courses on tax sale law, foreclosure, title, bankruptcy law, and professional responsibility. He previously served as a Deputy Attorney General in the Bureau of Consumer Protection in Harrisburg. He is a member of the Montgomery County, Pennsylvania, New Mexico Bar Association, New Jersey Bar Association and the American Bar Association, and various sections and committees within these organizations. He earned his B.A. degree from the Pennsylvania State University and his J.D. degree, with honors, from the Widener University School of Law. Mr. Hladik also served on his township’s planning commission for six years, and his local school board for ten years. He also is the current National President of Alpha Kappa Lambda Fraternity and formerly served as Vice President of the Board of Directors of the AKL Education Foundation. 

Keri is a partner and co-manager in the Bankruptcy & Restructuring practice group of Bernstein-Burkley, P.C. in Pittsburgh, Pennsylvania. As a Partner, she handles commercial, consumer, and real estate bankruptcy matters, as well as she is the co-manager of the bankruptcy group. Keri is certified by the American Board of Certification in consumer bankruptcy. Keri currently sit on the Board of Trustees for the Allegheny County Bar Foundation. Keri is the past Chair of the Allegheny County Bar Association Bankruptcy and Commercial Law Section, which is responsible for studying bankruptcy and commercial law and informing its members of proposed changes to related legislation. Keri is current Treasurer of the Allegheny County Bar Association and is also currently servicing as the Chair of the Finance and Investment Committees for the Allegheny County Bar Association. Keri is also serving as the Vice-President of Membership for the Pennsylvania Creditors’ Bar Association. A member of the American Legal & Financial Network (ALFN), Keri was awarded the 2022 American Legal Financial Network’s Industry Achievement Award and is a past ALFN 2017 JPEG: Picture the Future Award, which recognizes stand-out young professionals for their achievements and commitment to the mortgage servicing industry. She is the chair of the ALFN’s Bankruptcy and a member of its Women in Legal Leadership Committees and is a member of Legal League 100. Keri is also a member and the finance committee chair of the Judith K. Fitzgerald Western Pennsylvania Bankruptcy American Inn of Court and a member of the Turnaround Management Association. She is licensed in Pennsylvania and New Jersey and is admitted to practice before the U.S. District Court for the Eastern, Middle, and Western Districts of Pennsylvania; the U.S. District Court of New Jersey; the U.S. District Court for the Northern District of Ohio; the U.S. District Courts of Northern and Southern Districts of Indiana; the U.S. District Courts for the Eastern, Northern, Southern, and Western Districts of Texas; the Third Circuit Court of Appeals; and the U.S. Supreme Court. Keri has spoken on bankruptcy and collection topics nationally at the ALFN Answers annual conference as well as ALFN’s Bankruptcy conference since 2013. Keri also speaks, plans sessions and moderates regularly for the Allegheny County Bar Association, NBI and Pennsylvania Bar Institute on bankruptcy, collections and repossessions. Keri has also presented several on site client seminars as well as hosted webinars for clients, prospective clients and industry representatives on bankruptcy and collections. Keri was recently recognized in the 2021, 2022 and 2023 edition of Pennsylvania Best Lawyers for Bankruptcy. Keri is an active volunteer and sits on the Board for the with Make-A-Wish Foundation, Greater Pennsylvania and West Virginia Chapter. Keri is also a board member of the Trojan Education Foundation.

Christopher DeNardo is the Managing Attorney of Pennsylvania at Diaz⏐Anselmo Attorneys At Law. A 25-year veteran of bankruptcy, Chris is admitted to the practice in the Commonwealth of Pennsylvania, the State of New Jersey, and the State of New York, as well as the United States District Courts for Pennsylvania and New Jersey and the Third Circuit Court of Appeals. He has represented lenders and servicers in bankruptcy, foreclosures, evictions, real estate transactions, creditor’s rights, and title curative issues. He is also the Chair of the Bankruptcy Committee for the American Legal and Financial Network. Chris is also the former chairperson of the Philadelphia Mortgage Foreclosure Steering Committee and was one of the developers of the Philadelphia Mortgage Foreclosure Diversion Program, the first court-sanctioned loss mitigation program that became the template for similar programs nationwide. Prior to joining Diaz⎥ Anselmo, Chris spent the past few years as the Vice Chair of the Bankruptcy Practice Group for a national firm. He is a graduate of Widener University School of Law, J.D., and Susquehanna University, B.A.