Please relize that I am not an attorney. However I was talking to an attorney at a foreclosure seminar I just got back from. He tells me that if someone is in foreclosure they can actually go and file the motion to start chapter 13 bankruptcy in there local bankruptcy court themselves for something like $60.00. The first time they do this they will get an automatic stay off the foreclosure for atleast thirty days. Usually the common pleas court system (atleast in Cleveland) is so backed up that that it will take 3 to 12 months to get it back in the system and on the auction block again. The important part is that they withdraw their filing before 30 days is up. This allows them to file bankruptcy again at a later time and keeps them from facing some other issues as well. Also apparently if you cancel it before you finalize the bankruptcy it won’t go on your credit report. Any attorneys out there that want to post and clarify on this? Try googling “diy bankruptcy kits” or something like that and find some one that provides software and or forms for to assist you in doing this and of course consider getting advice from a licensed attorney.