If you are facing the prospect of your mortgage lending foreclosing on your home, one option available to you that will immediately stop foreclosure proceedings is to file for protection under Chapter 13 bankruptcy guidelines.
Chapter 13 allows for debt consolidation that includes all outstanding mortgage arrears, car loan arrears, outstanding credit cards balances, medical expenses.
Natalia Osorio Editor of the "Stop Foreclosure Loans" website -- http://www.StopForeclosureLoans.org -- pointed out;