In the recent economic decline, Florida remains among the top areas for mortgage fraud and other foreclosures in general. With the problem as significant as it is, homeowners facing foreclosure are forced to consider alternatives, ranging from simple solutions of negotiation to those that are more severe, such as bankruptcy. Florida foreclosure, especially due to the increasing numbers, sometimes consist of homeowners that are forced to resort to the alternative that is often considered the worst, bankruptcy. In a bankruptcy, the process of foreclosure is delayed at least for the time being, while the bankruptcy is still pending in court. During this stage, the homeowner should take the actions necessary for them to find a new home, whether it be regaining employment or pursuing another place of living. In some cases of Chapter 13, if the bankruptcy is successfully processed, eligible homeowners will be given repayment plans that allow them keep ownership and continue making payments, usually for 3 to 5 years.