Unfortunately a BK will take care of the past-due arrearage, but will still require her to make the current/future monthly payments on the mortgage. If she doesn't make those payments, the mortgage company can file a motion to modify the stay and resume foreclosure.
In certain circumstances, the BK attorney might have been able to get a cram down and either lower the mortgage payment/interest or even strip their liens, but that has to be done before the plan is confirmed.
Outside of that, a modification or another refinance might be her only options if she can't afford the payments.