[Moe Bedard]

First.............don't speak to collections..........they are a different dept. and they really don't know what options the investor on the loan will have...........you need to call the number that I posted above for you.
Also since most lenders are closing out HELOC's...........the chances of getting a lender to give you more money on a HELOC are slim to none.
And the lender when foreclosing would not really need the property to be finished as they sell the property in "as is" condition and price it accordingly......
So call and see what options the investor on your loan would have.