Hi, thanks for your question. You should hire a lawyer for specific legal advice. No attorney client relationship is created here.
Yes, a chapter 13 can stop a foreclosure.
You should file it at least 1 day before the sale.
You need to complete credit counseling at least a day before you can file in most cases.
Talk to a lawyer asap if the sale date is approaching.
A Chapter 13 is a debt consolidation, to cure the default over 3-5 years for the home, while consolidating the other debts.
Consumer debts can be paid 10-100% based on your income and assets.
Secured debts, like cars etc. would be paid 100% but some discounts can be given based on when you bought the vehicle and what it is worth.
Let me know if you have any other questions.
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