I filed chapter 7 and it was discharged in Jan 2017. I did not reaffirm either a first or the HELOC on the property. The property is only worth about what is owed on the first mortgage. Will I have trouble selling as the HELOC bank still has a claim? (I assume so). More importantly, is there anything I can do to remedy this? I have approached the HELOC bank about a settlement and got no response. Any advice appreciated. Thanks in advance