Legal Question in Bankruptcy in North Carolina

Probably. You have to read the loan modification documents. I would doubt that they could be read any other way, but to constitute a new promise to pay the old debt. This must have been an old bankruptcy because for the last few years, the courts have required reaffirmation. If you did reaffirm and did not rescind in the 90 days, then in which case you are on the hook for the entire debt anyway and could not just walk away.