I read somewhere that if the automatic stay release date is longer than one year, the bank will have to start the process again from the beginning. Right after bk 13 was discharged, I received a letter from the bank saying I have 30 days to pay the delinquent amount of $73,000. This letter confused me. I need to know if the bank needs to file a formal notice of default again. This will give me an additional 90 days to figure out what to do. I had a 10 year fixed rate that adjusted in 5. The rate adjusted to current rates making the payment for the next five years totally affordable. I have been making payments since I filed Bankruptcy in 2010. Does that mean anything?? Thank you in advance for taking the time to read this.