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There are a number of reasons why people fall behind on their mortgage payments. Perhaps they lose their job; perhaps they are hospitalized and overburdened with medical bills—whatever the reason, the fact is that when you fall behind on your mortgage payments, your lender may decide to institute foreclosure proceedings on your home. What can you do to stop this? The answer is to file for Chapter 13 bankruptcy.

As you will hear in this video, Chapter 13 bankruptcy is not a means to avoid or prevent foreclosure entirely, but it is a way to delay the proceedings so you can settle your debts and regain control of your finances.