Can I file chapter 13 bankruptcy just to stall foreclosure?

No, it is not a proper use of chapter 13 bankruptcy to file a case just to get the protection of the "automatic stay" without the intent to complete the case. 

Some people file bankruptcies over and over (multiple or "serial" filers) to repeatedly stop foreclosures on their property. Not only is it wrong to do so, but it causes a lot of unnecessary legal expense to the mortgage companies that are foreclosing, and also a lot of unnecessary trouble and expense to the court system. The bankruptcy court can punish people or their attorneys through contempt of court or other means for filing multiple bankruptcies without the intent to make them work.

As happened to seven individuals in the Houston, Texas area, filing a bankruptcy repeatedly just to invoke the stay and stop foreclosures led them to be charged with bankruptcy fraud in federal criminal indictments by the U.S. Attorney's office. Also, they allegedly made false statements in their bankruptcy paperwork, so they were also charged with perjury. These can be serious, federal felonies with punishments of up to 5 years in prison and $250,000 fine.

J Thomas Black
Board Certified, Consumer Bankruptcy Law- Texas Board of Legal Specialization