Legal Question in Real Estate Law in Pennsylvania

You shouldn't be worrying about who is responsible; you should be contacting the settlement company and the mortgage company that is handling your mortgage now, to make sure that they are making the payment when it is due. You should also contact the real estate tax office for your county to explain the escrow that your mortgage company is holding and ask if they have received any payments, and ask that you receive a statement of your account.

Your monthly payment coupons from the mortgage company should indicate the amount that is being paid on the loan and the amount that is being escrowed for the taxes. You could send that to the mortgage company, so that it will see that you are making the payments.

In the loans where an escrow is held by the mortgage company, the borrower usually signs a document at the closing that authorizes the tax authority to sent the tax bills directly to the mortgage company. You probably did that, but the mortgage company may not be diligent in paying the taxes.

THIS RESPONSE IS NOT LEGAL ADVICE, SINCE I DO NOT HAVE ALL OF THE INFORMATION THAT WOULD BE REQUIRED, AND I DO NOT HAVE A REPRESENTATION AGREEMENT WITH YOU.

* If the answers to your question confirm that you have a valid issue or worthwhile claim, your next step should almost always be to establish a dialog with a lawyer who can provide specific advice to you. Contact a lawyer in your county or township.

* Another reason for contacting a lawyer is that it is often impossible to give a good answer in the Internet Q&A format without having more information. The unique circumstances of your situation and things that you may not have thought to mention in your question may completely change the answer. If you want to be sure that you have a complete answer to your question and an understanding of what that answer means, establish a connection with a lawyer who practices in the area of your concern.