any trouble with HELOCs?

[kmbk2b]

Has anyone had any trouble (objections, APs, etc) from a HELOC lender? Our second mortgage provider is the one that is giving me heartburn (all is quiet on PACER so far, but I am very anxious as we await discharge in our asset case). We are surrendering the home since the market value is 25% under what we paid (which essentially wipes out any equity for the HELOC). I am having nightmares about the HELOC lender objecting to our discharge or filing an AP, although I don't know if they can even do this since there is not any fraud?

Has anyone had any trouble with a HELOC (or any mortgage lender for that matter) for a surrendered home in a Chp7?

Thanks

[SMinGA]

They can't make trouble just because they don't like it that the real estate market tanked. As long as there was no fraud involved (such as you bribed someone to give an inflated appraisal so you could get the HELOC) then there should be no issue.

[kmbk2b]

I keep reminding myself that we didn't do anything wrong, but the anxiety is crazy-bad! We tried for a year to do loan mods and even a short sale, but the bank wouldn't work with us at all. I'm just paranoid that they will come after us before discharge. I just feel so much shame, failure, depression, and anxiety about this whole thing. My worry about the HELOC is making me crazy. We had less than $10K in CC -- it's the HELOC that drove us into BK, so I guess I fear it's the HELOC that could continue to destroy us...

BTW, it was a HELOC that we took out as a second mortgage when we initially bought the house (as opposed to a HELOC taken out later in order to make our home a "cash machine").