Like all other collection actions, foreclosures are stopped when a bankruptcy is filed. How long the foreclosure will be stopped is another story and it depends on the type of bankruptcy you file. Many of our clients who want to keep their homes, opt to file a Chapter 13 bankruptcy which allows them to stop the foreclosure and repay their past due payments. Other folks who need to file bankruptcy for other reasons may file a Chapter 7 bankruptcy in order to delay a foreclosure. This can allow them time to move or make other arrangements with their home lender.