I am not sure I'd waste my time and money with Hope. In the three way conversation, someone who had experience dealing with these issues would have quickly told the lender that you don't have a lawyer. The reason they told you to contact your lawyer is because they cannot speak with someone who is represented by an attorney.
If your bankruptcy has not been discharged, you may be able to reaffirm the debt. It is the creditor's choice as to whether to offer you a reaffirmation
, and if they do offer this, whether to renegotiate the loan. If you reaffirmed, it would be like you never filed bankruptcy on the loan, and the agreement can be modified (again, on the creditor's choice) to lower payments, stretch payments out longer, or lower the interest rate.
If the bankruptcy has been discharged, there may not be much you can do other than to try and get a mortgage on the house from another lender and pay off the lien from your current lender with it.
Again, please understand that the lender does not have to do anything to modify your loan and can choose to foreclose if you remain in default. Anyone who tells you that you "have a right to reduce your debt" or modify the loan is trying to scam you.
If you have filed for bankruptcy and are still having trouble making the mortgage payment, I am not sure I would re-indebt myself with a reaffirmation agreement. Then you would be on the hook for the loan and if in the future you cannot perform, the home would be foreclosed on and you may owe a deficiency balance after the sale, which you would not be able to file bankruptcy on for 8 years from your discharge date.