Our Michigan bankruptcy attorneys met with a couple this morning from Wyandotte, MI. Their house is in foreclosure. The mortgage is in the wife's name only. The mortgage company will not work with her. The house is worth less than the amount owed on the mortgage but it is her desire not to uproot her family and save the house. She had some unsecured debt. Unfortunately she is unable to work and has no income due to an injury. Her husband has an income. I was able to advise them in regard to filing Chapter 13, to stop the foreclosure and workout a plan to catch up the mortgage payments over 5 years and not pay anything to her other creditors. She was approximately $6,000 behind on the mortgage and her payment was approximately $1,000 per month. In the Ch 13, her new payment will be approximately $1,200 per month which will cure her arrears over 5 years. Since the Ch 13 is voluntary she can catch up the arrears at any time and either convert to Ch 7 or dismiss her case.