It is common for individuals facing foreclosure to ask if bankruptcy can stop foreclosure. The basic response to this question is that no, bankruptcy generally only delays foreclosure, but it is true that the homeowner will sometimes keep the home and continue making payments. To begin bankruptcy, the borrower will need to file with a court. Usually, a borrower facing foreclosure a type of bankruptcy that is known as Chapter 13. When the court receives the bankruptcy, the lender pursuing the foreclosure will be required to hold off on the proceedings due to an automatic stay, at least for the time being. If the Chapter 13 bankruptcy is accepted by courts, the borrower will be fitted with a repayment plan that requires them to pay back the lender in time, and doubles to stop the foreclosure. In this, the house will not be lost, but the borrower's credit will be affected very negatively. Additionally, in the event that the borrower does not pay accordingly, foreclosure proceeding can commence again.