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Homeowner Foreclosure Prevention
Gavel and family home documents on a desk

Chapter 13 Bankruptcy

A court-supervised plan that can stop a sale immediately.

See If This Fits My Situation

How it works

  1. 01File and stayFiling the petition triggers the automatic stay — foreclosure sales scheduled for the next morning stop. This is why it's the emergency brake.
  2. 02Propose the planYour attorney files a 3–5 year plan that keeps regular mortgage payments going and cures the arrears in installments.
  3. 03Perform and dischargeComplete the plan and the arrears are cured; the home is yours with the mortgage current.

Advantages

  • Immediate, legally enforced stop
  • Years to cure arrears
  • Protects other assets too

Trade-offs

  • Requires an attorney and court fees
  • Significant, long-lasting credit impact
  • Plan payments must be maintained for years

Best for

  • A sale date is imminent and other options are exhausted
  • Steady income that can fund a plan
  • Multiple debts beyond the mortgage
FAQ

Chapter 13 Bankruptcy questions

How fast does Chapter 13 stop a foreclosure?

Immediately upon filing — the automatic stay takes effect the moment the petition hits the court docket, even the day before a sale. We are not a law firm; we'll tell you honestly when your situation calls for a bankruptcy attorney and help you prepare for that conversation.

General information, not legal or financial advice. Results depend on your lender, loan, and state. Homeowner Foreclosure Prevention charges no upfront fees; free HUD counseling is available at 800-569-4287.

Next step

See if chapter 13 bankruptcy fits your situation

Answer a few quick questions and a specialist will rank every option for your exact circumstances — this one included.

  • Foreclosure specialists, no pressure
  • Every option explained in plain English
  • Free consultation — no upfront fees

See your options

Free & confidential · foreclosure specialists

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Start with your home address.

Let's see your options

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Takes less than 30 seconds · Free review · No obligation

Homeowner reviews

Trusted by homeowners like you

Real stories from families we've helped face foreclosure with a plan.

“They explained every option without pressuring me toward any of them. First time in months I felt in control.”
JJessica T.Homeowner · TX
“Three months behind and panicking. The specialist got my servicer on a modification review within the week.”
VVictoria L.Homeowner · FL
“I finally understood what the letters from the bank actually meant. Plain English, real deadlines, real options.”
BBradley O.Homeowner · CO
“The consultation was actually free — no upfront fees, no bait and switch. Just straight answers.”
SShannon M.Homeowner · AZ
“We kept the house. Payment came down, missed payments moved to the back of the loan. Life-changing.”
JJose R.Homeowner · CA
“I chose to sell, and they helped me do it on my schedule instead of the auction's. Kept my equity.”
MMarcus D.Homeowner · GA
“Had an auction date 5 weeks out and still found a path. Don't assume it's too late — call.”
PPriya N.Homeowner · NY
“After my husband's surgery we fell behind fast. Forbearance gave us room to breathe and catch up.”
KKaren S.Homeowner · NC
“No judgment, no scripts. They'd clearly helped a hundred people in my exact situation.”
TTom B.Homeowner · OH
“The repayment plan let us catch up a little each month. No lump sum, no losing the house.”
AAisha R.Homeowner · IL
“One phone call replaced weeks of panic-googling. I knew my state's timeline and my real deadlines.”
DDaniel K.Homeowner · WA
“They answered on a Saturday and treated it like the emergency it felt like. Forever grateful.”
EEthan W.Homeowner · MI
“They explained every option without pressuring me toward any of them. First time in months I felt in control.”
JJessica T.Homeowner · TX
“Three months behind and panicking. The specialist got my servicer on a modification review within the week.”
VVictoria L.Homeowner · FL
“I finally understood what the letters from the bank actually meant. Plain English, real deadlines, real options.”
BBradley O.Homeowner · CO
“The consultation was actually free — no upfront fees, no bait and switch. Just straight answers.”
SShannon M.Homeowner · AZ
“We kept the house. Payment came down, missed payments moved to the back of the loan. Life-changing.”
JJose R.Homeowner · CA
“I chose to sell, and they helped me do it on my schedule instead of the auction's. Kept my equity.”
MMarcus D.Homeowner · GA
“Had an auction date 5 weeks out and still found a path. Don't assume it's too late — call.”
PPriya N.Homeowner · NY
“After my husband's surgery we fell behind fast. Forbearance gave us room to breathe and catch up.”
KKaren S.Homeowner · NC
“No judgment, no scripts. They'd clearly helped a hundred people in my exact situation.”
TTom B.Homeowner · OH
“The repayment plan let us catch up a little each month. No lump sum, no losing the house.”
AAisha R.Homeowner · IL
“One phone call replaced weeks of panic-googling. I knew my state's timeline and my real deadlines.”
DDaniel K.Homeowner · WA
“They answered on a Saturday and treated it like the emergency it felt like. Forever grateful.”
EEthan W.Homeowner · MI
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