Do Foreclosures start over again

No, the foreclosure process does not stop all over again once you receive a bankruptcy discharge or when the bank receives a relief from stay from the bankruptcy court. All notice requirements pertaining to your foreclosure sale and the serviceman's relief act must be redone, but whatever the foreclosure process is in your state, it does not start from the very beginning again simply because of bankruptcy. What ever point in the process of foreclosure was occurring at the time you file for bankruptcy, the bank can return to that time, with only redoing the previously mentioned notices. I have responded to your inquiry according to the laws of Massachusetts, where my firm is located. Laws can vary significantly from state to state and cases tend to be rather fact-specific, so you are best served by consulting with a knowledgeable attorney in weighing your options. Email messages/Online Correspondence are akin to conversations and do not reflect the level of analysis applied to formal legal opinions. Email/Online responses do not form an attorney-client relationship.    Joseph F. Botelho, Esq. BOTELHO LAW GROUP Attorneys At Law http://fallriverbankruptcyattorney.com/ 901 Eastern Ave.  Unit 2 Fall River, MA 02723  Office:  888-269-0688 FAX:    877-475-8147