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welcome to the Maryland bankruptcy Center my name is David Rubin Iamp;#39;ve been practicing bankruptcy law in the state of Maryland since 1991 over the years Iamp;#39;ve filed thousands of chapter 7 and chapter 13 cases on behalf of Maryland residents to help them eliminate their debt and prevent foreclosure on their home in this video Iamp;#39;m going to talk about chapter 13 chapter 13 is not filed as much as chapter 7 in Maryland it is primarily used when people are behind on their mortgage and you canamp;#39;t catch up and youamp;#39;re not able to do a mortgage modification but you want to stay in your home chapter 13 is going to allow you to stay in your home to file that bankruptcy petition stop that creditor stop that mortgage company in its tracks and work out a payment plan over three to five years to help you keep your home at Maryland bankruptcy center we filed chapter 13 s and help people save their homes every single day the only way to really find out whether or no