Loan Modification Not an Option?

Yes sometimes the lender is not able or the servicer is not able to modify it.  For example, you don't have verifiable income or you don't meet whatever qualifications there are for that particular loan modification. 

However, bankruptcy may still help you keep your house and pay your mortgage payment.  If you are able to make the ongoing mortgage payments and catch up the arrears to the next 3 to 5 years.