There’s a thing called a Chapter 20. It is not a code of bankruptcy. What it is is where a person first files a Chapter seven bankruptcy to discharge most of their debt. Then they file a Chapter 13 to save their house is most often the reason. The past amounts of the mortgage will be put into the Chapter 13 plan and the plan will be paid over typically five years, keeping the house and reducing the risk of a foreclosure. A Chapter 20 is really a Chapter seven and a Chapter 13. This is a complex situation and you should consult with the bankruptcy attorney.