I bought my house in Ca for 440K, the 1st loan was modified by BoA, the 2nd loan (HELOC 100K)was not and was sold to RTR. They offered to modify the house payable for 15 yrs. I offered to settle with them instead of dealing with them for 15 yrs. I want to keep the house. I started the offer at 10% up to 20% but they said they cant accept it and they will only take 50% settlement. The CA said if I want a settlement lower than 50% I have to send them my financials, hardship letters etc. I read a lot of posts advicing not to send any of my financial info to CA. I am desperate to settle this but I want to do the right step without making major mistake. It is a big chunk of money and there is no way I can come up with that $$. Pls advise. Has anyone of you ever dealt with RTR or had HELOC settlement with them. Should I send them my financial info just to get a better deal?