A Chapter 13 may also help you eliminate your unsecured debt.  These unsecured debts include credit cards, personal loans, taxes, and other debts.  We may also be able to reduce your payment on your car to the value of the vehicle.  If you are married only one of you may need to file.
During the course of the bankruptcy, you may still seek a loan modification.  We have many clients that receive loan modifications, because they show the ability to make the mortgage payment while in a Chapter 13.