One major reason people file for a Chapter 13 Bankruptcy is to save their home from a foreclosure. When a person falls behind in their mortgage payments (or car note), eventually the bank sends a foreclosure notice to the home owner warning them that the foreclosure process will begin. Generally a lender or bank must give the homeowner 30 days notice before they sell the property (less time for a car). Receiving a foreclosure notice that does not mean that the bank will immed