{"id":4231,"date":"2011-02-21T09:00:04","date_gmt":"2011-02-21T09:00:04","guid":{"rendered":"http:\/\/www.duncanlawonline.com\/?p=4231"},"modified":"2026-06-07T00:45:27","modified_gmt":"2026-06-07T04:45:27","slug":"does-your-home-equity-line-of-credit-have-you-locked","status":"publish","type":"post","link":"https:\/\/www.duncanlawonline.com\/staging\/8350\/does-your-home-equity-line-of-credit-have-you-locked\/","title":{"rendered":"Does Your HELOC (Home Equity Line of Credit) Have You Locked?"},"content":{"rendered":"<p><iframe loading=\"lazy\" title=\"How a Chapter 13 Bankruptcy Can Wipe Out A Home Equity Line of Credit\" width=\"1200\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/ZpMxsHhZ-8I?wmode=transparent&amp;rel=0&amp;feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\n<p>A few years ago when your home had equity, you obtained a Home Equity Line of Credit or HELOC to consolidate your debt and payoff credit cards, medical bills, personal loans, etc.\u00a0 It seemed like a great idea because you could eliminate all of your revolving debt and make only two payments each month\u2026your first mortgage and your HELOC payment.\u00a0 This approach also provided a way to lower your monthly payment, since the interest rate on the HELOC was less than what you were paying on credit cards.\u00a0 And we all thought at that time your home would appreciate in value!<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignleft wp-image-4233 size-medium\" style=\"margin-top: 5px; margin-bottom: 5px; margin-right: 5px;\" title=\"Family Walking Holding Hands\" src=\"https:\/\/www.duncanlawonline.com\/wp-content\/uploads\/2011\/02\/Family-Walking-Holding-Hands-300x199.jpg\" alt=\"Family Walking Holding Hands\" width=\"300\" height=\"199\" \/>That was circa 2008 and here you are in today.\u00a0 You are lucky if your home is worth what you owe on the first mortgage, there\u2019s no way will it will cover the HELOC.\u00a0 So your HELOC has you locked!\u00a0 What are your options?<\/p>\n<p><strong>Do absolutely nothing<\/strong> \u2013 You can see what is the HELOC creditor is going to do.<\/p>\n<p style=\"padding-left: 60px;\">The HELOC creditor could foreclose on your home but probably not, since they would receive little if anything from the sale. \u00a0However, your credit will be negatively impacted because of late, slow or no payments on the HELOC.\u00a0 The impact on your credit will make it difficult for you to obtain other credit for another car or other needs.<\/p>\n<p style=\"padding-left: 60px;\">The HELOC creditor may actually decide to foreclose on the property.\u00a0 They know they will receive little or nothing from the foreclosure, but they can write-off the bad loan from their books making the company more financially sound.<\/p>\n<p style=\"padding-left: 60px;\">The HELOC creditor may write-off the debt on the loan and send a 1099C to you and the Internal Revenue Service.\u00a0 It appears that this voluntary non-payment is excluded from the Mortgage Forgiveness Debt Relief Act of 2007.\u00a0 At this point you will be <a title=\"Do I Have to Pay Taxes on Debts Wiped Out In Bankruptcy?\" href=\"https:\/\/www.duncanlawonline.com\/pay-taxes-debts-wiped-bankruptcy\/\" target=\"_self\">responsible for taxes on the forgiven debt<\/a>.\u00a0 You should also remember that the creditor writing off the debt does not eliminate the lien by deed of trust on your home.\u00a0 If you try to sell the house in the future, you must still deal with the HELOC creditor before you can convey the deed to another person.<\/p>\n<p><strong>Sell the home<\/strong> &#8211; You would sell the home, but you can\u2019t get enough to pay the first mortgage and the HELOC.<\/p>\n<p style=\"padding-left: 60px;\">You\u2019ve talked to the HELOC creditor about a short-sale, and they want you to come to the closing table with at least some money to pay them.<\/p>\n<p style=\"padding-left: 60px;\">Since you don\u2019t have the money at closing, they have agreed to release the lien for you to sell the house, but they want you to sign an unsecured loan on at least a portion of the debt you owe them.\u00a0 That is an option, but do you really want to pay for a house you do not own?\u00a0 If you default on this unsecured loan in the future, they can actually sue you for the unpaid debt.<\/p>\n<p><strong>Chapter 13 bankruptcy <\/strong>\u2013 You can file a <a title=\"Chapter 13 Bankruptcy\" href=\"https:\/\/www.duncanlawonline.com\/bankruptcy\/bankruptcy-types\/chapter-13-bankruptcy\/\" target=\"_self\">Chapter 13 bankruptcy<\/a> to resolve the HELOC and any other outstanding debt.<\/p>\n<p style=\"padding-left: 60px;\">The key is that your first mortgage must be greater than the value of your home.<\/p>\n<p style=\"padding-left: 60px;\">You will be required to file a lawsuit or adversary proceeding in bankruptcy against the HELOC creditor.<\/p>\n<p style=\"padding-left: 60px;\">You must complete your bankruptcy and receive a discharge.<\/p>\n<p style=\"padding-left: 60px;\">This approach will allow you to retain your home and make it a more valuable asset, since you will no longer be saddled with the HELOC.<\/p>\n<p>We you speak with your accountant or a bankruptcy attorney to determine what option is best for you.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A few years ago when your home had equity, you obtained a Home Equity Line of Credit or HELOC to consolidate your debt and payoff credit cards, medical bills, personal loans, etc.\u00a0 It seemed like a great idea because you could eliminate all of your revolving debt and make only two payments each month\u2026your first &#8230; <a title=\"Does Your HELOC (Home Equity Line of Credit) Have You Locked?\" class=\"read-more\" href=\"https:\/\/www.duncanlawonline.com\/staging\/8350\/does-your-home-equity-line-of-credit-have-you-locked\/\" aria-label=\"Read more about Does Your HELOC (Home Equity Line of Credit) Have You Locked?\">Read more<\/a><\/p>\n","protected":false},"author":3,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"video","meta":{"nf_dc_page":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[4166,4167],"tags":[],"class_list":["post-4231","post","type-post","status-publish","format-video","hentry","category-chapter-13-bankruptcy","category-foreclosure-real-estate","post_format-post-format-video"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.7 (Yoast SEO v27.7) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>HELOC Lien Stripping in NC | Duncan Law<\/title>\n<meta name=\"description\" content=\"Underwater on your home with a HELOC? Chapter 13 bankruptcy may let you strip the lien entirely. See your options from NC bankruptcy attorneys.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.duncanlawonline.com\/does-your-home-equity-line-of-credit-have-you-locked\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Does Your HELOC (Home Equity Line of Credit) Have You Locked?\" \/>\n<meta property=\"og:description\" content=\"https:\/\/www.youtube.com\/watch?v=ZpMxsHhZ-8I&amp;feature=youtu.be A few years ago when your home had equity, you obtained a Home Equity Line of Credit or\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.duncanlawonline.com\/does-your-home-equity-line-of-credit-have-you-locked\/\" \/>\n<meta property=\"og:site_name\" content=\"Duncan Law\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/duncanlawonline\" \/>\n<meta property=\"article:published_time\" content=\"2011-02-21T09:00:04+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-06-07T04:45:27+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.duncanlawonline.com\/wp-content\/uploads\/2026\/06\/blog-ch13-1.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"675\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Damon Duncan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@DuncanLaw\" \/>\n<meta name=\"twitter:site\" content=\"@DuncanLaw\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Damon Duncan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/does-your-home-equity-line-of-credit-have-you-locked\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/does-your-home-equity-line-of-credit-have-you-locked\\\/\"},\"author\":{\"name\":\"Damon Duncan\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/#\\\/schema\\\/person\\\/f7b4948225deab021c8ba0edbea00655\"},\"headline\":\"Does Your HELOC (Home Equity Line of Credit) Have You Locked?\",\"datePublished\":\"2011-02-21T09:00:04+00:00\",\"dateModified\":\"2026-06-07T04:45:27+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/does-your-home-equity-line-of-credit-have-you-locked\\\/\"},\"wordCount\":614,\"publisher\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/does-your-home-equity-line-of-credit-have-you-locked\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.duncanlawonline.com\\\/wp-content\\\/uploads\\\/2011\\\/02\\\/Family-Walking-Holding-Hands-300x199.jpg\",\"articleSection\":[\"Chapter 13 Bankruptcy\",\"Foreclosure &amp; Real Estate\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/does-your-home-equity-line-of-credit-have-you-locked\\\/\",\"url\":\"https:\\\/\\\/www.duncanlawonline.com\\\/does-your-home-equity-line-of-credit-have-you-locked\\\/\",\"name\":\"HELOC Lien Stripping in NC | Duncan Law\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/does-your-home-equity-line-of-credit-have-you-locked\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.duncanlawonline.com\\\/does-your-home-equity-line-of-credit-have-you-locked\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.duncanlawonline.com\\\/wp-content\\\/uploads\\\/2011\\\/02\\\/Family-Walking-Holding-Hands-300x199.jpg\",\"datePublished\":\"2011-02-21T09:00:04+00:00\",\"dateModified\":\"2026-06-07T04:45:27+00:00\",\"description\":\"Underwater on your home with a HELOC? 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