What most naturally follows?

How to file for chapter 13 bankruptcy
Decide whether bankruptcy is the best choice for you.
If you are in trouble financially, there are a number of things you can do to get yourself back on track. Bankruptcy should be considered your last resort.
In general, people file for chapter 13 bankruptcy as a way to stop a home foreclosure. Again, this should be your last resort, so try working with your creditors to find a different solution before resorting to bankruptcy.