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A bankruptcy can help in several ways if you are facing a foreclosure or if your home has been foreclosed. There may still be time to save it!

A Chapter 13 bankruptcy filing allows a possibility for you to save your home and pay back all the missed payments called arrearages.

A Chapter 7 bankruptcy filing will delay a foreclosure process and provide you time to apply for a loan modification or save money to find alternate housing. The length of delay depends on the mortgage lender but can be anywhere from one month to a year. Also a Chapter 7 bankruptcy will discharge (erase) foreclosure debt.