Chapter 13 stops both mortgage and property tax foreclosures. Then you have up to 5 years to catch up on the property taxes.
If you took advantage of the mortgage forbearance payment option under the CARES Act, when do you have to catch up on those missed payments?
Resolve disputes with your lender in Chapter 13 about 1) additional fees and charges, and 2) whether you've cured the mortgage arrearage.
Chapter 13 gives you valuable power to force your mortgage lender to be up front about how much you owe, and to efficiently dispute the amount.
Chapter 13 gives you much more power over your mortgage and other home-related debts so that you can sell your home when it's best for you.
Bankruptcy frees up cash flow so you can afford your mortgage payments. Chapter 7 does so by writing off other debts. Chapter 13 does so more creatively.
Other bankruptcy benefits for your home include protection against other liens—from judgments, income taxes, and homeowner associations.
Bankruptcy can save and protect your home in many different ways. One of these may be just what you need. Or you may use them in combination.
Chapter 13 protects you while you catch up on or pay off very important debts.
Chapter 13 costs much more than Chapter 7, takes about 10 times as long, so you do a Chapter 7 if possible, right?