Can Chapter 13 actually save my house?
CAwillow_oak1 month ago
Six months behind on the mortgage. Lender threatening foreclosure. Can Ch 13 stop it?
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✓ Verified answer from a licensed attorney — shown first
Yes, this is one of Chapter 13's superpowers. Filing triggers the automatic stay — all collection, including a scheduled foreclosure sale, halts immediately (sometimes mid-day on the sale date). The Ch 13 plan then lets you cure the arrears over the 3-5 year plan period while you resume making the regular monthly payment going forward. As long as the plan is feasible (you can show the income to make both the arrears catch-up AND the regular payment), the court confirms it and you keep the house. The case to file BEFORE the foreclosure sale, not after — a sale can be hard to unwind once it's done. Talk to a bankruptcy attorney this week.
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Please readThis is a community space for sharing personal experience — it is not legal advice, and posts here are not from Lawma or your attorney. We strongly encourage you to post under an anonymous handle, keep questions general, and avoid posting private details of your active case. For advice about your own situation, message your attorney.