What happens when you File chapter 13 bankruptcy in a foreclusure procedure?

If the foreclosure sale has not happened (the auctioneer has not said "sold" or in some cases, the foreclosure deed has not been recorded), the foreclosure stops until the mortgagee (lender) obtains relief from stay from the bankruptcy court.

Your plan may provide for the payment of the mortgage arrears as well as any other secured debt arrears, priority debts (taxes, etc.) and unsecured debts your excess income allows you to pay.