A Chapter 13 can stop the foreclosure permanently. It may allow a delinquent borrower to pay back the delinquency and reinstate the mortgage, over a period of time, usually five years. A borrower must make a regular payment and part payment each month until the delinquency is caught up or cured. It is similar to a repayment plan or forbearance agreement, but Chapter 13 permits more time to pay back the delinquency. In a chapter 7, you will have to pay back the arrearages much quicker than 5 years, or the foreclosure will continue.
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