Stop Foreclosure Stop Foreclosure Chapter 13 Bankruptcy will stop the foreclosure of you home and allow you to repay the payments you have missed. Under chapter 13, we will help you file a plan of repayment with the court. This repayment plan can be as long as 60 months.The best kept secret of Chapter 13 bankruptcy is that it allows you to strip away a second mortgage from your home. Under Florida bankruptcy law, the second mortgage can be stripped away if it is not secured by the value of the house. For example, if you have a first mortgage of $200k and a second mortgage for $100k and your house is only worth $200k, the second mortgage can be stripped away as a lien against your house.