No, your bankruptcy is what is making it impossible to reestablish credit, not just late payments on a mortgage.The only thing you can do is the following:1. File a complaint against the mortgage company and mortgage servicer (if they are two separate entities) through the Mississippi Dept of Banking: http://www.dbcf.state.ms.us/2. File a real estate attorney at www.attorneypages.com (check his or her record at the Mississippi State Bar).