Your options will be fewer (for example, borrowers may not be in bankruptcy to qualify for Fannie Mae's Streamline Modification Program), but you may have more leverage.
Mark is correct... in Florida, you will receive an Automatic Stay of Foreclosure (in the home is your primary residence) within few days of filing BK13 until the US Bankruptcy Court has a chance to hear your case. However, you will have to provide a repayment plan for Court approval and provide proof of your ability to repay Your attorney will handle this for you.
I suggest your attorney looks into FHA Hope For Homeowners. As of the end of December there have been very few takers of the program (and none closed according to HUD), but if you qualify, the lender gets a 100% FHA guarantee on your loan balance f the lender reduced the balance to 90% of current appraised value.
if you have attorney representation, you obviously stand a better chance to get the best of what's a available to you. Since your mortgage is probably your biggest expense you don't want to sell yourself short. It's not easy to prove to your lender that you cannot afford your current mortgage, but will be able to afford a modified one.
I work with an attorney based Loan Modification company, with a money back guarantee. I believe that we could help your current situation. Our website is http://www.WeLowerYourRate.com You may contact me anytime at Sofia@WeLowerYourRate.com and I would be happy to discuss your options. Look forward to speaking with you soon.