By filing bankruptcy via Chapter 7, foreclosure can be successfully delayed for a substantial amount of time. When a homeowner is facing foreclosure, there are sometimes many other options that can be utilized against foreclosure. But in some cases, bankruptcy such as Chapter 7 is the one and only alternative to a foreclosure. Primarily, Chapter 7 is only used instead of its counterpart, Chapter 13, in cases where a foreclosure is inevitable. Rather than facing foreclosure immediately, a Chapter7 will halt the foreclosure, at least while the bankruptcy is pending. During this time, which is usually around 3 months, the borrower can enjoy their home, cancel other debts and tax liability, and amass savings while considering alternatives. In itself, however, a Chapter 7 bankruptcy does not actually stop the foreclosure.