If you are facing a mortgage foreclosure, filing bankruptcy can stop the foreclosure process, either temporarily or permanently. Chapter 7 bankruptcy will not stop the foreclosure forever, but it will afford you some time to complete your bankruptcy while still living in your home, if needed. On the other hand, Chapter 13 bankruptcy can stop the foreclosure process altogether. Only Chapter 13 bankruptcy permits you to resume your monthly mortgage payments, as well as cure any delinquency on your mortgage loan. Once you have caught up your mortgage loan within the term of your Chapter 13 reorganization plan, the foreclosure proceedings will no longer be an issue. Therefore, Chapter 13 bankruptcy is a good option for debtors who are seeking to retain their homes.