Your attny is correct - you have very few, if any, choices.
If your loan fully matured the only way to keep the property (your primary residence) in the context of a Chapter 13 is to propose a Plan that pays the lender in full with interest over the 60 months of the Plan. Your attny should have told you this from day one. See 11 USC 1322(c)(2) and 11 USC 1325(a)(5). The only way around this (other than walking away) is to get the lender to agree to some other treatment either inside or outside the context of the bk.
Des.

