We have a sold out HELOC with Chase, part of which was used to pay off an original mortgage for pmi. We have been paying for many years and now won't be able to afford the higher payments. They offered to settle with us in the past, when we were still paying, but we didn't have the money. We can settle with them now, but had to stop paying, to get any response. Now they offered a trial payment plan, which may not include a balance modification. We just want to settle and be done with it. We are in AZ. Should we accept the TPP and see if their modification will reduce balance, or not respond at all?