My question involves bankruptcy in the state of: Florida
My primary residence has a 1st mortage and a heloc, I fell behind on payment on the heloc and have never been late on the first. I contacted national city to catch on the payments (financial situation changed for the better) but was told by the the lender (national city) that he heloc has been charged off and they will only accept payment in full. I found another lender to refi both loans however the heloc needs to be current. I contact NC to get the reinsatement amount and they gave me a figure of over 8k. The heloc at the time of charge off (oct 31) was 5 months late. The 8k figure included payments up until today (feb 9th) and attorney's fees along with other smaller fees. My question is 2 fold.
1. If the loan charged off in Oct, can they add the payments for the following months to the reinstatement amount?
2. being that i want to keep the property and i'm able to make the payments, is my best option a chapter 13 bnkrcy?

