I had a house that forclosed in Jan 2007 in California. The first mortgage forclosed fine and closed accordingly. The 2nd mortgage which I believe was a HELOC however has not. It still shows as open on my credit and doesn't seem like it will close. Shouldn't this close? I never refinanced or anything. What are my options? I don't see the sense in paying for a house that I do not have anymore and that has already ruined my credit with the forclosure. Please help - very frustrated.