A Chapter 13 is a type of Bankruptcy that immediately stops a Foreclosure.  Once you file a Chapter 13 all creditors are prohibited from taking any action to continue the collection of a debt without a court order.  The foreclosure is stopped by court order, called the Automatic Stay.  In the Chapter 13 you create a Plan to pay the arrears due on your mortgage.  The Plan allows you to pay monthly, from 36 to 60 months, the amount you are behind on your mortgage.

STOP FORECLOSURE