A Chapter 13 bankruptcy filing can immediately stop foreclosure proceedings if filed before the scheduled foreclosure date. In Texas:

• Creditors must provide at least 20 days' notice before a foreclosure sale
• Foreclosure sales occur on the first Tuesday of each month
• Filing creates an "automatic stay" that legally halts the foreclosure process

This same automatic stay can also prevent:

• Property repossession
• Eviction
• Wage garnishment
• Account garnishment