Do you have a foreclosure sale date? If so and you want to remain in your home, you need to act NOW. In fact, a Chapter 13 bankruptcy can stop the foreclosure sale from ever happening due to the automatic stay provided by the bankruptcy filing. But, the Chapter 13 must be filed prior to the foreclosure sale so that is why it is so very important for you to call us right now if you have a sale date already. After filing, Chapter 13 allows you to pay you regular mortgage payments and put the past due amounts in a 3 to 5 year repayment plan.