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Consider filing a new Chapter 13.
A Chapter 13 bankruptcy would immediately stop the foreclosure action. It would permit you to set up a plan to reinstate your mortgage arrearages. In other words, it could allow you to pay the arrearage over a 5 year period.
You would need to retain an attorney. If this is not possible, you can file the petition yourself. Simply purchase the forms and file them prior to the sale.
I hope that the information which I provided was helpful to you.
Best wishes for a successful outcome. If you have additional questions, please do not hesitate to submit them to me directly.
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