Question about notices and timing of foreclosure

[goodtimes50]

We stopped paying our mortgage and files for Ch 7 (mortgage was IIB) in June 2010 and our discharge was in Sept 2010. Just last week we received a letter from the lender denying our request for a loan mod.

OK is a non-judicial state, but I've found conflicting info on whether most foreclosures are done through the courts or not. I'm going to assume it will be non-judicial just to be on the safe side. Either way, we'd like to stay in our house as long as possible.

So far, we have only received a couple informal letters from the lender stating the amount of our deficiency. There was some language about paying the amount by a certain date or they "may" begin foreclosure. This was while they were still processing the loan mod so I didn't take this as any sort of notification that they had started the process. Is there any way to know when the foreclosure starts or do you just have to wait for the Notice of Sale? We're freaking out a bit at the prospect of only having ~30 days to find a new place and move. Is it worth calling the lender to check on the status of things or would that just keep on on their radar?

TIA!

[goodtimes50]

Okay, this is weird. We got a call a few days ago saying that they needed us to resend one of the documents for the load mod, so I guess it's still being processed after all. Then, just yesterday, we got a letter from an attorney retained by the mortgage co. indicating that we had 30 days to get current or contest foreclosure before they file suit. I was under the impression that they wouldn't pursue foreclosure while they were processing a loan mod application.

So, now what? When people say foreclosure usually takes 6-9 months (or whatever it is), do they mean from the time it enters court or from when you stop paying? Is there any way to guestimate how much time we have left at this point?