Mortgage delinquencies are continuing to increase despite assurances of an economic recovery around the corner SEE ARTICLE. If your mortgage is in default a Chapter 13 will consolidate any payments that you have and you can repay any mortgage arrears over five years. Filing a Chapter 13 will stop the foreclosure and allow you to catch up on your payments. At The Law Offices of Marc Wagman LLC,I am an experienced Chicago bankruptcy attorney who will discuss your options under either type of bankruptcy. Please call us or visit our website. Please call my office for a free consultation at 312-489-8182!