I agree with Betty3, well she is correct all the time

I would just like to add;

If you lose your home in foreclosure, KY is a deficiency state, meaning;

The lender sells the home, then they come after you for any shortage on the loan. If you owe $150,000 and the home is sold for $80,000 you then owe the lender the shortage of $70,000

Since you have gone through a bankruptcy a foreclosure is not a good idea right now as you can NOT file a bankruptcy again for 8 years after the last bankruptcy. The lender can garnish your pay, checking accounts and whatever else is allowed by state law.

Here is a link to the KY foreclosure laws;

http://stopforeclosure.com/Kentucky_Foreclosure_Law.htm