Can filing a Chapter 13 bankruptcy stop a foreclosure and help me keep my house if I am behind on my mortgage payments?

Yes. A Chapter 13 bankruptcy plan helps a homeowner stop a foreclosure and allows for the past due mortgage amount to be included in the bankruptcy plan, to be paid over a 3- to 5-year timeframe. Keep in mind that you will have to demonstrate to the bankruptcy court through the submission of certain financial documents your ability to stay current on your mortgage payments while still being able to make the payments set forth in your Chapter 13 bankruptcy plan.