An automatic stay is granted in every bankruptcy case whether it’s a Chapter 7 or a Chapter 13. That automatic stay will stop the foreclosure, unless it is lifted by the bankruptcy court. It will typically not be lifted in a Chapter 13 as long as the debtor or filer is making payments towards the mortgage. In a Chapter 7, it may be lifted if the mortgage company asks for it to be lifted. There is no payment plan in a Chapter 7, so if the filer or debtor is behind in his or her mortgage, although the Chapter 7 filling will give initial relief and will initially stop the foreclosure, that relief may only be temporary.