BK'd and want to play games to get mortgage modified...

[CCCrazy]

You can see my BK details in my signature. I have two mortgages with Wells Fargo - none reaffirmed. I stopped paying my second in June and continued to keep my first permanent. I want to stop paying my first, get it modified to get a lower interest rate, and used the saved money to make a ten percent offer to remove the second lien - is this doable? My house is now worth about 160-165K and I owe 172K on it with the first mortgage. Also, I'm guessing that after missing two payments I would have to contact WF to see if anything can be worked out? They can't initiate the contact because of the BK, right?