For most Texas homeowners filing a bankruptcy to stop foreclosure is a temporary solution. Most people that file a Chapter 13 to stop the foreclosure lose their home to foreclosure within 6 months. The main reason is that when you file the Chapter 13, in order to keep your home, you must make the full monthly mortgage payment starting immediately PLUS a percentage of all the payments that have not been paid PLUS a percentage of all debt that appears on your credit report. Simply put, most Texans can not afford the mortgage payment they could not already afford plus all added fees. Eventually the lender will “Lift the Stay” and take the home anyways.