If your goal is to deal with your unpaid debts while still having the ability to cure past due mortgage payment and retain your primary residence, then Chapter 13 bankruptcy proceedings may be the answer for you. Not only does filing Chapter 13 bankruptcy stop any collection action against you by your mortgage company, even including mortgage foreclosure actions, but it permits you to fashion a repayment plan that will save your home. Your Chapter 13 reorganization plan will allow you to resume your monthly mortgage payments, as well as cure past due mortgage payments within the life of the three to five year repayment plan. Once you have successfully completed the terms of your repayment plan, you can continue paying off your mortgage just as you did prior to becoming delinquent on your mortgage loan.