I may have to file BK only to stop my Trustee's Sale date in two weeks because the Lender has not postponed or answered on my modification. I am back to work and can now afford my mortgage payment (or a modified one, preferably). I thought if I was in Chapter 13 and arranged to make my mortgage payments with the BK Trustee, the Lender wouldn't or couldn't ask for a Lift. Now I read on Nolo Press that because the Advance Notice is basically gone, they CAN ask the Court to Lift the Stay. NOW I'm getting really worried! Can one of you bright Lawyers give me some more details? Thank You!Thank you Michael!! Nolo Press stated "bankruptcy's automatic stay won't stop the clock on the advance notice that most states require before a foreclosure sale can be held (or a motion to lift the stay can be filed). For example, before selling a home in California , a lender has to give the owner at least three months' notice. If you receive a three-month notice of default, and then file for bankruptcy after two months have passed, the three-month period would elapse after you'd been in bankruptcy for only one month. At that time the lender could file a motion to lift the stay and ask the court for permission to schedule the foreclosure sale". Their statement got me concerned. I have about 14 days left of the 90 days so I was unsure what Nolo meant by their statement. Yes, I will take your advice and be getting an attorney!