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Debt is a HELOC Bank filed lis pendens and foreclosed after 200 days of non-payment. Bank obtained a final judgement, never went through with the sale. After a year of obtaining the judgement bank dismissed the final judgement and the lis pendens, referred the debt to a collection service. Debt has not been paid in over 3 years. The HELOC is the only lien on property, and the property still have $150,000 in equity.The delinquency is over 3 years now! The bank never did anything for over a year since it dismissed the case and sent it to collection! Is the HELOC now an unsecured debt since by law they had to charge it off after 180 days of delinquency? My main concern at this time after all that has transpired, is that I want to convert that debt to an unsecured debt and to release the mortgage. The bank had closed the equity line, stopped charging any interest on the loan, refered the account to a collection agency, last letter received from collection agency was dated 6/15/11, credit report shows account closed and dismissed. What else the bank need to do that shows that the account was charged off? Once we ascertain that the bank has charged it off , does the debt automatically becomes unsecured or is there a process we must follow to convert it to unsecured and release the mortgage?