Chapter 7 vs. Chapter 13 is a common question in bankruptcy law. There is a difference when it comes to saving a home from foreclosure. A Chapter 7 can possibly save a home by wiping out other debts allowing the homeowner to focus on the home. A Chapter 13 bankruptcy can allow individuals to save their homes by restructuring their debt into a 3-year or 5-year payment plan. Filing a Chapter 13 bankruptcy stops foreclosure proceedings giving the homeowner a chance to save their home.