You may qualify for a chapter 13 if you can work and have regular income. If you file chapter 13, you can put all your arrearages on the house into a 24 month repayment plan. But, you must find employment to make a 13 work.
To qualify for a chapter 13, pursuant to the statute, you must have regular income. It is a requirement of a chapter 13 that you have a regular steady income.
