Did you even read my post to you? Your 2nd IS NOT "in the money"; the Citi HELOC is way underwater.I stopped paying my citi heloc May 2012, it was charged-off Feb. 2013. Now Real Time Resolutions is trying to collect. I am confused, because it seems like Real Time Resolutions needs approval from Citi heloc to do anything or negotiate Even billing statements ask for checks to be made to Citi. Can Real Time Resolutions collections FC on my house, do I still have a change to Settle with Citi? (the Strategy to Settle Second thread is not clear). I followed the Strategy to Settle 2nd, but since Citi is on the money ($75) I may get a FC letter surprise without a chance to settle.