What can be done if a friend claimed bankruptcy and now three years later, the mortgage company is refusing payments?

A secured debt is not discharged in BK. They are likely refusing payments because the account is in arrears and must be made current.

When you try and get an attorney to answer a question for a friend, there almost always are two problems. First, your friend probably did not give you the full story. Second, unless you are an attorney, passing along information about the law to someone, even a friend or family member, can be a criminal offense called unauthorized practice of law. Have your friend contact an attorney and stay out of it. You will be glad you did.

Hire an attorney to contact the mortgage company. Your friend will have to sign an authorization allowing the mortgage company to speak to your attorney. Or find out which agency governs mortgage companies in your state, and ask for their help.