Chapter 13 bankruptcy requires debtors to repay most of their debt through repayment plans. Chapter 13 helps to stop foreclosures, garnishments, lawsuits and repossessions.  When filing for Chapter 13 bankruptcy, you must submit a proposal to the court that includes how you intend to pay back debt, which may include overdue mortgage payments, car loans, and other types of debt. When you file for bankruptcy, all collection actions must be halted. This means that your foreclosure and repossession will be paused, and creditors cannot harass you. Chapter 13 bankruptcies can also work to ensure you keep most of your possessions, such as their home and car.