Yes. Filing Chapter 13 can immediately stop a scheduled foreclosure sale because the automatic stay takes effect when the case is filed, but it only works if you file before the auction is completed, and keeping the house then depends on completing a court-approved repayment plan over 3 to 5 years. If you're in Miami-Dade or Broward right now staring at a sale date, that distinction matters more than anything else. A lot of homeowners search “does chapter 13 stop foreclosure sale” and get a simple yes….