On the contrary, bankruptcy, used properly does not at all mean the homeowner needs to leave the property, although this is a major erroneous impression many people have. In fact, bankruptcy in the right case and done the right way can substantially increase the homeowner's negotiating ability to come to terms that will allow him or her to SAVE the property.
Yes, a chapter 13 can be used this way. I find a Chapter 13 best used at the end of the process and as a last resort. Normally, we can find a solution without it being necessary.
Under the right circumstances, a Chapter 13 used right can save a borrower a great deal of time, momey and pain and yetaccomplish their objective. It depends on all the details, however, the analysis of whether there is a route to the goal via a Chapter 13 should be done at the beginning of the case, since there usually more available options Chapter 13 options and strategies at that point.
I think we are in agreement that the case should be assessed; we disagree on when it should be filed.