Unfortunately some people are faced, especially in today's real estate market, with a very tough decision. They realize they are in a home and they are unable to afford their mortgage payments which means that you can't file a chapter 13 bankruptcy to save your home because chapter 13 law currently does not allow the courts to modify mortgage payments, which means that unfortunately the only decision that would be available to the client would be to file a chapter 7 bankruptcy which will allow you to eliminate your legal obligation on the mortgage debt.