You are showing lack of knowledge-or more precisely, you are assuming that foreclosure procedure you know about is the same procedure followed in OP's state. VERY BAD ASSUMPTION.
I've practice law in two states, been involved in foreclosures in both. Both states have very different procedures and neither follows the procedures you outlined. If a lawyer gave that "advice" they would be looking at a substantial malpractice claim.
I've said it before, but it bears repeating-OP ignore this entire thread and get a competent local attorney NOW.