It sounds like you want to do a Chapter 20 (7+13) to save your home (cure the arrears) and are not expecting to obtain a discharge in the Chapter 13. If that is the case you can file the Chapter 13 the moment you receive your Chapter 7 discharge. If that is not the case you must wait 4 years from the date of the Chapter 7 discharge to be eligible to obtain a Chapter 13 Discharge.

Des.