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Filing Chapter 7 bankruptcy will discharge most of your unsecured debts, leaving you better able to handle your mortgage payments and perhaps catch up. Chapter 13 will allow you to catch up on mortgage arrears and pay off a portion of the unsecured debt over time, but a third option would be to file a Chapter 7 (if you qualify) and then a Chapter 13 once you receive your discharge. In so doing, you will be able to use the Chapter 13 as a way to catch up on the mortgage payments without worrying about the unsecured creditors at all.
I'm a consumer protection lawyer who helps people with their bill problems. The solutions I offer depend on your individual situation rather than being "one size fits all." In trouble? It's time we talked. 
I’ve been practicing bankruptcy law in New York for over 30 years. I will recommend bankruptcy only if it's right for you - not just because it happens to be the field of law in which I practice.
My professional background includes bankruptcy real estate and mortgage issues. My job is to help you get the solution that works best for you. This is more than your finances; it's your life and your future. 
