Due to circumstances beyond my control I had to file bankruptcy. I have a first and second mortgage which were dismissed. My 1st mortgage company has worked with me, and has given me a trial loan modification on which once I make my final payment, I will get the modification. Here's my question...I am trying to work out a modification with the HELOC. If they refuse to work with me, I know they have the right to foreclose on my home. If that's the case, I certainly don't want to do the loan modification with my 1st mortgage holder, because then if the HELOC forcloses, I will be liable for a house that I won't have. Should I complete the loan modification with the 1st mortgage company and hope that the HELOC works with me?