How to get a modification after bankruptcy

This is a finanical problem not a legal one. Lenders are not typically obligated to negotiate your payment terms after the fact simply because you claim the price is too high. I will defer to your current lawyer as to what rights you do or don't have. That said, you may have to bite the bullet and sell the home, while the market is positive, to get out from under a financial deal you cannot sustain. The notion of "want" vs proper financial decision making is the bitter pill to swallow, but you are now going on 7 years removed from the loss of employment event and still have not recovered. Moreover, you will need to weigh the fact that a decent rental of a one bedroom 1 bath apartment will likely cost you the same as your mortgage payment so that becomes a factor in your decision making also. The notion that you cannot find a PT job is simply untenable as there are literally thousands of them available in any decent sized municiple area, not to mention the tens of thousands of work at home jobs or even ride share driving like Uber. You simply need to find more money even if that means changing jobs to something that pays more.