Smaller Than Some Second to None

Richard M. Squire & Associates, LLC is an end-to-end Creditor’s Rights Default Law Firm and service all Foreclosure, Bankruptcy, Eviction & REO portfolios in PA & NJ.

We are an AV – Preeminent-rated Law Firm (Highest Rating for Professionals by Martindale-Hubbell.)

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Leadership. Experience. Results.

Richard M. Squire, Esq.

Richard M. Squire, Esq. - Founder & President

Richard M. Squire, an AV-rated attorney and a graduate of Cornell University and University of Pennsylvania Law School, was previously a partner and chairman of the litigation department of a 250-attorney Philadelphia law firm. His litigation practice focused on representation of Fortune 1000 and Fortune 500 companies in complex commercial litigation, including bankruptcy. Mr. Squire has an extensive background in real estate law, having represented national and regional lenders, real estate developers, landlords and tenants, and mortgage service companies. He also has had the honor of presenting educational programs to a variety of mortgage industry conferences and individual clients.

Admitted to Pennsylvania Bar – 1967.
Admitted to Maryland Bar – 1965.

Michael J. Clark, Esq.

Michael J. Clark, Esq. -

Michael J. Clark, Esquire received his B.A. from The University of Stockton in 1997 and his J.D. from Widener University School of Law in Delaware in 2005.  He has been practicing consumer finance litigation for about a decade and a half.  He handles foreclosure-related litigation, including bankruptcy and title litigation, as well as appellate matters.  His practice includes defending lenders and loan servicers for claims brought under TILA, RESPA, FDCPA, Predatory Lending, Quiet Title, and Consumer Fraud claims in Pennsylvania and New Jersey state and federal courts.

Of particular note, on appeal Michael was successful in overturning a judicial tax sale on a Pennsylvania property where the lender held a significant mortgage lien.  The judicial tax sale divested the lender of its mortgage lien against the property located on the Main Line area in the Philadelphia suburbs.  The property had been purchased by a third-party investor for a mere $36,469.00.  The Commonwealth Court reversed the judicial tax sale because the Tax Claim Bureau did not comply with the Real Estate Tax Sale Law’s notice requirements.  Michael raised the notice defects in the lower court to preserve them on appeal, which served as the basis for successfully overturning the judicial tax sale to the third-party and thereby.  Consequently, his client’s mortgage lien against the property was not divested.

In terms of speaking engagements, Michael has been a co-panelist at the Pennsylvania Bar Institute’s “Don’t Mortgage Your Future” and “The Pre-Foreclosure Process”.

Admitted to the Pennsylvania Bar – 2006
Admitted to the New Jersey Bar – 2006
U.S. District Courts for E.D.PA, M.D. PA, W.D. PA, D.NJ.

M. Troy Freedman

M. Troy Freedman - Managing Foreclosure Attorney

M. Troy Freedman, Esquire graduated from Dickinson College in 1996 with a B.A. in Political Science, where he was the senior class president; and from Widener University School of Law in 1999, where he was a member of the Moe Levine Trial Advocacy Honor Society. He has served as a contributing legal advisor for the Employer’s Practical Legal Guide (published by the National Institute of Business Management) and as an arbitrator for the Montgomery County Court of Common Pleas, presiding over cases involving non-payment of credit cards, non-payment of wages, construction disputes, and personal injuries.

Over the past 19 years, Troy has represented consumers as well as business entities including lending institutions, mortgage servicers, a vehicle rental company, a sports photography website, a collection agency, title insurers, a premium finance company, commercial landlords, residential landlords, dry cleaners, laundromats, delis, restaurants, wholesalers, small retail stores, franchisees, general contractors, subcontractors, and an alarm monitoring company in litigation, transactional, and real estate matters. Currently, Troy focuses on all aspects of creditors’ rights and complex real estate matters, consistently looking for new, creative, and more cost-effective solutions to legal issues.

An avid writer on the mortgage industry and legal history, Troy has authored the following articles, all of which have been published: “In an Age of ‘Beautiful, Clean Coal’ and Cutting-Edge Fossil Fuel Tech, Do We Still Need to Care about Disasters like the Underground Mine Fire at Centralia” (Pa. Bar Assoc’n Q., July 2019 ed.); “A Departure from Dodd-Frank and Traditional Loan Underwriting Methodology May be Appropriate: A Case-Study of Milton S. Hershey” (Pa. Bar Assoc’n Q., July 2017 ed.); “Bronze Age and Religious Roots of Modern Debtor-Creditor Law” (Pa. Bar Assoc’n Q., Oct. 2018 ed.); “Dealing with a Rambo-Type Foreclosure Litigator” (; “Dealing with Homeowners Who Want More Time” (; “Borrower Spends on Lingerie…Should They Get a Loan Mod?” (; “Pennsylvania Foreclosure Diversion Programs: Out of Control?” (; “The New Normal and the Foreclosure Trial Tackle Box” (; “Get Proactive & Be Prepared in Dealing with Foreclosures” (; “Legal Documents & That Other Law (Murphy’s)” (; “Borrowers Behaving Badly: What Happens When Lenders/Servicers Inadvertently Encourage Borrowers to Lie, Cheat, and Steal?” (Legal League Q., Winter 2013 ed.); and “C.F.P.B., Good Record-Keeping, and the ‘New Normal’” (Legal League Q., Summer 2013 ed.).

Troy’s speaking engagement consist of the following: facilitator for the Spring 2013 Legal League 100 Servicer Summit in the “Dealing with the Most Common and Creative Defenses to Foreclosure” round table and conversation starter for the Fall 2013 Legal League 100 Servicer Summit in the “Bankruptcy: Life with the New Mortgage Claim” round table.

Troy is proud to have received lead counsel ratings in bankruptcy and real estate, and Capital One’s Outstanding Partnership Award in 2017.
Troy enjoys spending time and vacationing, especially to Disney World in Florida, with his wife and two daughters, Helene and Hannah, who are both competitive cheerleaders and volunteer coaches at PA Heat in Pottstown. He also enjoys extreme fitness/HIIT workouts, distance runs, and tough mudders.

Practice Areas

Creditors’ Rights

Creditors’ Rights

As a qualified Small Business Law Firm, we are authorized to work on Federal Contracts / Sub‐Contracts. This allows our servicer clients to be compliant with the set‐aside requirements for FHLMC, FNMA, GNMA, FHA, USDA, and VA loan pools.

We are an end-to-end Creditor’s Rights Default Law Firm and service all Foreclosure, Bankruptcy, Eviction & REO portfolios in PA & NJ.



The process of taking possession of a mortgaged property as a result of the mortgagor’s failure to keep up mortgage payments.

REO (Real Estate Owned)

REO (Real Estate Owned)

Property owned by a lender or a bank after a successful sale at a sheriff’s sale.



The action of dispossessing someone from property.



Bankruptcy’s automatic stay temporarily stops a pending foreclosure.

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