Are you still able to make your payments? Do you have equity in your home? If you are in trouble, don't wait to get assistance. Only 1 out of 5 who apply for a loan mod are approved. The rest end up as a foreclosure or short sale.
I am here to help. If you would like more detail, please feel free to contact me.
Prudential California Realty
I think the fact that you filed BK shows the bank that you cannot afford your bills and they figure that your likelihood of defaulting on your mortgage is inevitable. If there was still subprime loans available, 100% financing & market values that are appreciating, you may find the bank a little more willing to work with you.
I am not an accountant or lawyer. However I suggest you speak with a real estate attorney (one not associated with a loan modification business 1st) and an accountant regarding your situation.
Please also see if & by how much more you owe on your home than it is worth. It may not make sense for you to do a loan modification, because banks are NOT reducing principal balances on 1st mortgage notes.