My question involves a mortgage in the state of: Florida

My sister's home has a HELOC in her deceased husband's name only. He left no estate but a pile of debt. My sister stopped paying the second but has kept current on the first. B of A refuses to discuss the HELOC with her because they said it is in his name only and he "left written instructions that it was not to be discussed with her." She is not eligible for HAMP because it is not Fannie Mae or Freddy Mac.

Bof A is threatening to foreclose on her home because the HELOC is delinquent and it was used as collaterol on her house, to which she was co-owner with deceased husband. They refuse to discuss refinancing the HELOC (she has spent months jumping through hoops applying for a modification) because it is not in her name. She has been working on this for many months, but really dedicated herself to it since February and this is as far as she can get.

Is it even legal for B of A to have allowed one party to take out a HELOC without the other party's consent and then to refuse to allow the other party to modify the loan to keep the house? I have never heard of such a thing and doubt it is legal. What do we do now?