Judicial power in bankruptcy?

My income dropped $2000 a month 2 years ago. I had 14 open accounts and have modified or settled 13 of those accounts (including my 2nd mgt.). I did not qualify for the government loan modification deal and my mortgage company hasn't agreed to re-finance me yet.If they don't does a judge have the power to modify a mortgage in bankruptcy? i know this ability to modify mortgages had been proposed a while back. Thank you for the help.