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A Chapter 13 bankruptcy would immediately stop the foreclosure action. It could 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.
It would be best to retain an attorney. If you cannot, you will want to purchase the forms on line and file them yourself prior to the sale
. After you file the petition
, you will need to notify the plaintiff.
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.