CA 1st $K250, HELOC $50K both recourse. I am about 2 weeks away from scheduled auction for foreclosure. Just received an offer from BOA to settle my HELOC for 50% if I make payments or 33% if I pay at once. I don't intend to accept either offer and intend to just ignore them until SOL expires or some very low settlement offer but just want to confirm that I should not contact them at this time for any reason. Thanks.