Yes - if you file your bankruptcy Petition before the sale occurs, the sale cannot legally proceed. But you will only have 14 days to file the rest of the Schedules and Statements that are required.
You'll need an attorney.
You need to find an attorney that file the bankruptcy in the timeframe you need. Seek a modification in the Chapter 13.
The other two answers have answered your question and advised you that you need an attorney for your chapter 13 to be successful. If you will read the following paragraph from a 2011 report from a survey conducted by the US Courts, you will know why.
Chapter 13 is typically considered the chapter of choice for those wage-earners seeking to catch up on missed car or house payments and avoid repossession of a vehicle or foreclosure of a home. Confirmation of the chapter 13 plan that provides for payment of such arrearages over many months is necessary to begin the process of making up for missed payments. Completion of a chapter 13 plan through discharge can take 36 to 60 months, and is very difficult to achieve even in attorney-represented cases. Approximately 55 percent of attorney-represented cases reach confirmation. The number of self-represented debtors that manage to get to confirmation of a chapter 13 plan is 0.4 percent – clearly demonstrating that it is nearly impossible for this population to succeed in chapter 13.
.4% means 4 out of 1,000 pro se debtors were able to get their plan confirmed, while 550 of attorney represented debtors were able to get their plan confirmed. That study does not consider the number of pro se debtors' that were able to get a confirmed plan, but ended up paying more to creditors than they would have had the retained an experienced bankruptcy attorney.
You really need to take the time to meet with an experienced bankruptcy attorney that handles chapter 7 and chapter 13 cases. Most bankruptcy attorneys will meet with you at no charge for the initial appointment. You can use the Avvo "Find a Lawyer" link at the top of this page to search for an attorney.
Answers and comments provided are for general discussion only. My comments are not to be considered legal advice and they do not create an attorney-client relationship.
Thus, you know you can stop the sale IF you file before it. Advise any attorney you call you need someone who can prepare all before and file the case. I promise in 2 business days at my firm for 31 years! But most places dont make that promise..so advise them in writing you need that. And you will need to provide all the information required so get your last 6 months of gross income, last filed tax return, and all your debts and balances and call one or two attorneys to meet and see who you are comfortable with and file. Good luck.
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