Many people are attempting to receive modifications to the terms or the balances of their mortgages before the filing of their chapter 13 case.  You may still apply for a modification of your mortgage even after you file but you must do all the paperwork directly and negotiate the new terms directly with the mortgage company.  The filing of your chapter 13 does not make you more eligible for a modification and the court has no ability to force the mortgage company to modify the terms or balance of your mortgage on your home.  The court must approve any modification in order f