Hi zoe1069,
Welcome to the foru and thank you for joining...................
For any type of modification you may need to get permission from the court and have your attorney fascilitate that with Countrywide.............you would have to call and check if they will work directly with you if your file is coded BK.
Here is the number to call and check on that...........
Countrywide Home Retention
1-800-669-6650
and here is the number for the new program starting Dec. 1st and a link to the eligibility.............
1-800-669-6607
Countrywide Financial - Real Estate Mortgage Lender - Home Loans - Equity Loan Mortgages