Recently an almost-client, let’s call him Bob, called me looking for help. His house was being sold in a foreclosure sale the next morning, and he wanted to file a Chapter 13 bankruptcy petition to stop it. Not an uncommon situation. I’d say at least 40% of my Chapter 13’s are filed to stop an imminent foreclosure sale. (By the way, you might ask, why file a Chapter 13 as opposed to a Chapter 7? You can exit a Chapter 13 as a matter of right, while you have to get the permis