People who otherwise might face losing their home through mortgage foreclosure or end up in court over credit card debt will soon have help. Itâs in the form of two programs Lancaster County Court of Common Pleas is putting in place as an alternative to litigation. The idea behind the residential mortgage foreclosure and consumer credit card debt diversion programs, which start July 1, is to bring debtors and creditors together to work out their problems, according to President Judge David Ashworth and two court attorneys who worked on the programs. They are not get-out-of-debtorâs-jail-free cards, however. âThis is not just for the deadbeat who just doesn't pay his bills. This is for a person who, through life circumstances, is having difficulty making ends meet,â Ashworh said Monday. âAnd this program puts them in a position of acting responsibly to address those issues and allows the lender to make good on the loan.â