Chapter 13 offers certain advantages over chapter 7. Most important, chapter 13 provides an individual the opportunity to save his home from foreclosure. Upon the filing of chapter 13, foreclosures are generally stopped and an individual has the opportunity to catch the delinquent mortgage payments up-to-date. A wholly "underwater" mortgage may be avoided. In chapter 13, unsecured creditors usually only receive a portion of their debt and the balance is discharged.