I'm sorry to hear that you're scared. I don't quite understand, though. I lender can foreclose at any time when the borrower has fallen behind in making payments. Moreover, the lender is supposed to give a 30-day notice prior to initiating foreclosure. And, if foreclosure is ordered, there is typically 6-months afforded the borrower in which to "redeem" or pay back what's owed prior to foreclosure sale.
Hence, I'm confused about the one year timeline. Please provide more detail so I can further understand and provide detail.