Homeowner's who face losing their homes by foreclosure are often unaware that chapter 13 can stop foreclosure. Other creditors must stay, stop collection efforts and leave you alone. You submit a payment plan of 3-5 years for approval by the United States Bankruptcy Trustee. You can then have the peace of mind and time to reorganize your debts and submit a payment plan of 3-5 years. Chapter 13 bankruptcy is not a punishment. It is designed to protect what means the most to you while you pay ongoing living expenses such as you home & car. Even if a homeowner is many mortgage payments behind they can spread out the unpaid amount over 3 to 5 years with court approval.