system
A chat on subreddit /r/wallstreetbets
human
seems like lawyer time

chapter 13 bankruptcy 

 If the remaining balance on the first mortgage is more than the current market value for the home, the HELOC can be stripped off, meaning that it’s treated like any other unsecured debt, like credit cards. Under a chapter 13 bankruptcy, most unsecured debts are paid off for a fraction of their face value, since any remaining debt at the end of the payment plan is discharged. Additionally, the lien against the home that secured the HELOC in the first place is also removed, leaving only the first mortgage in place.
gpt
Wow some actually good advice on here