Modifcation of Mortgage

I have been trying to do a modification for the past 3 yrs with my mortgage co. and I am getting the runaround since it is a private investor. I was told in April that they were working with the hamp program but found out that the co. was but my loan was owned by a private investor and they were not working with the hamp program. I filed for bankruptcy 13 in 2010 and now my lawyer is telling me I have 12 days to pay the month I owe them or else the house will be removed from the bankruptcy.
I refinanced in the year of 2007 by a co. by the name of American brokers conduit, they appraised by house $750.00
which I questioned them about as the city had my house appraised at $450.00 I was told that the loan was to be capped at 12% and if the rates went down my rate would be reduced which never happen, they sold my loan to American home mortgage and they went into bankruptcy, American home mortgage finally sold the loan to a company by the name of Residential Credit Solutions. I found out American brokers conduit was not licensed to do business in Va. and they had gone out of business except that they are still sending me advertisement about refinancing.