My bank offered mortgage mod at current payment as mortage mod. I am $100,000 underwater and an interest only loan. Mod would help me barely make it but I have an interest only HELOC due to having to drill a new well. Since my well dried up had no choice. Paying for the was only half of what I owe for the HELOC. Now I really can barely make the mod mortgage if I accept it. May do Chapter 7 insted. Citi Bank has my HELOC. How can I get Citi Bank to settle my $42,000 HELOC??? If I could just pay them $2,000 to settle I would possiblky be able to keep my house? Who do I call at Citi Bank? Help!