One of the best things about a chapter 13 bankruptcy is that it allows you to catch up on payments to secured creditors, like your mortgage. This means that you are able to cure the back payments you’ve missed on your home and take it out of foreclosure. A bankruptcy can be filed just days before a sale date on a property and propose to save that property by either repaying the back amount over a specified period of time while making the normal monthly payments. We can even force the bank into working on a loan modification through a special program in the bankruptcy courts.