If your mortgage is late and your home is in the foreclosure process, you’ll be relieved to know that the filing of your bankruptcy case legally stops the lender’s right to foreclose. By law, the instant your case is filed the mortgage lender’s right to proceed with a foreclosure sale or auction is suspended – it cannot continue to attempt to collect in any way, shape or form. Your mortgage lender can’t call you, write you, or send monthly invoices or statements.