While Chapter 7 bankruptcy proceedings do not permit debtors to retain real estate secured by mortgage loans that have fallen delinquent, Chapter 13 bankruptcy is an option that may permit debtors to do so. Not only does filing any type of bankruptcy halt any pending foreclosure actions, but Chapter 13 bankruptcy gives debtors the ability to resume monthly mortgage payments, as well catch up any missed mortgage payments. By developing and complying with the terms of a Chapter 13 bankruptcy reorganization plan, debtors can effectively reinstate their delinquent mortgage loans and keep their homes, while still dealing with the remainder of their debts. Therefore, if maintaining a home is a goal for debtors, filing Chapter 13 bankruptcy is an option that may enable debtors to do so.