@nd mtg charged off

I had an 80/20 loan, my payments were almost 1500 a mth, and I had 35,000 in credit cards. I decided to file bankruptcy but did not include the mortgages because I wanted to keep the home. I worked with my mortgage company for a loan mod and they gave it to me on the 1st but not the second, so i continued to ask for a loan mod on the 2nd and 1 mth I would get a letter saying we are working on it and the next mth they would send one saying sorry we can't do a loan mod, this went on for a year. I have not made a payment on the 2nd in 2 1/2 yrs and have not recvd anything in about 6 mths. I called the mtg co today because they sold my 1st loan to Ocwen well when I asked about the 2nd they said it was charged off. Now what do i do? I filed bankruptcy 2 yrs ago does this protect me from collection coming after me and also what happens if I do a short sale. I feel like I'm in a huge mess....HELP!!! I live in AZ...Thank you!!!