You have recent bankruptcy and loss of income. These are big negatives. However, you need to speak with your bank to determine if they will work with you. One thing you could try is working with a HUD counselor in your area. They will discuss your options with you and negotiate directly with the bank on your behalf. The service should be free. Just google on HUD counselor to find link to site and find one in your area.
Century 21 Proteam