Thank you for your question.
The only thing you can do is try to get another payment plan. Unfortunately, since you have been granted 2 payments plans previously, it is possible that a judge will not grant you another plan. In which case, you may be out of options to save your home. Unless you can get into an affordable payment plan and/or catch up the deficiency on your home, there may not be a lot you can do.
You may consider retaining local bankruptcy counsel to see if there is anything they can do to stall the mortgage company and/or get you back into court quickly.
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If a case fails to receive discharge for some reason, such as dismissal, then the waiting period for refiling does not apply and a Chapter 7 or Chapter 13 can presumably be filed anytime again. It is possible that the Bankruptcy Court may impose some other waiting period when it dismisses a case, but this is rare.
The benefits of filing a chapter 7 are different than chapter 13. If the court feel that you are able to pay your creditors back, it may not be willing to discharge your debt in a chapter 7. Additionally, chapter 7 generally provides less leniency than a chapter 13.
In chapter 7 bankruptcy, many times you will be required to liquidate your assets or sell them for the benefit of the creditors. In which case, this may give you less options with respect to keeping you home than a chapter 13.
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