In the 1990s, the state began to experiment with awarding and managing construction contracts using the design-build system. Figure 1 summarizes the various legislation authorizing state and local entities to use design-build under specified circumstances.
A low payment means you're more likely to be able to demonstrate to the court that you have the capability to make such a payment, which means it's more likely you'll be granted Chapter 13 bankruptcy, which means you'll keep your house.
Chapter 13 Is Often Best If You Are Behind on Your Mortgage. Chapter 13 bankruptcy is the better choice again if you have fallen behind on your mortgage. When you file for Chapter 13, you can stop foreclosure and pay off your pre-bankruptcy mortgage arrears (payments you missed) through a repayment plan.