We have a charge off and not sure what to do

we filed bankruptcy a little less than a year ago. it was discharged in nov 2010. we did not include the house in the chapter 7. we continued paying the first mortgage as best we couls ended up being 1 month behind and made payment arrangements to be brought current. the second mortgage or heloc stopped sending statements and we didnt pay for a 3 month period while the bankruptcy was in effect. the lawyer advised to continue to pay so we did mailing payments based on an old statement. we went to the local branch and asked to have statements resumed so we can continue to paythat month jan 2011 we paid $300 (the orig payments were $150 we owed 6-700 behind before the $300 payment) we waited feb no statement march no statement april i looked and its now in charge off status. not sure what to do. looking into it it looks to me like it should have gone into charge off after 180 days of no payment. i wanna make good on this and continue to pay but now this may be on my credit report which is concerning to me as we were in the process of trying to repair our credit. please any help will be appreciated