Imagine being faced with the possibility of losing your home because you cannot pay the mortgage. Furthermore, imagine that it is not entirely your fault that you do not have the funds. It is not always reckless spenders, gamblers and those who choose to consistently live above their means who suffer from these scenarios. It can happen to anyone and for all sorts of reasons. Over 50% of Americans currently find themselves wondering how they’re going to pay the mortgage and still keep the lights on.

Why? You could suddenly find yourself laid off from work and unable to pay your mortgage. You might be facing an expensive divorce and cannot meet all your financial demands. You may be dealing with unexpected medical bills or any of a long list of unexpected and highly draining financial demands.

If you are in a financial crisis, you may be feeling unable to cope. It’s normal to be experiencing a whole host of negative emotions like depression, rage, shame and self-resentment. And all these feelings may be compounded if you are lying awake, night after night, trying desperately to figure a way out while simultaneously wondering if soon the roof of your car is going to be the only one you have over your head.

Chapter 13 bankruptcy is specifically designed to help stop foreclosure. A qualified bankruptcy attorney, who has worked with hundreds of clients in your situation, can help you determine not only if you are eligible for Chapter 13 bankruptcy, but also if it is the right answer to help you keep your house and eliminate your debt.