Get the right type of Massachusetts Foreclosure Assistance. You may wish to keep your house and continue to live there, and to do this, you will need to either catch-up on the mortgage payments that you are behind on, or get the bank to modify your loan to make the monthly payments more manageable for you. A Chapter 13 Bankruptcy is a solution to the problem for many people who have regular income and just need some extra time to catch up on the mortgage payments that they missed. In some cases, if you have a second mortgage or home equity loan, we can ask the bankruptcy court to get rid of that loan all together to substantially reduce the amount you will owe to your bank. Filing a bankruptcy petition prior to a foreclosure auction is a very powerful tool to stop your bank dead in their tracks from taking your house away from you.