If you are behind on your mortgage payments and the mortgage company is refusing to work with you, you have options. A chapter 13 bankruptcy can be filed and a plan submitted to the court which will allow you to catch up those payments over 3 to 5 years. In Indiana, you have up until the time of the Sheriff's Sale to take action.
There are also government foreclosure prevention programs. However, a homeowner may not qualify or the process may take so long that the delinquency has become too large to manage. A chapter 13 bankruptcy will allow the homeowner to begin the repayment process while seeking a loan modification Call today.