business equity line of credit with house as collateral

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I am posting this as my main question b/c I am panincking and it kind of got buried in a previous thread behind another question. We are expecting discharge any day - We reaffirmed mortgage - We did nothing with a business equity line of credit secured by our home. Attny said if we reaffirmed first loan and stayed current we did not need to do anything with the line of credit. He said they just will have a lien on house. We are behind on the 2nd loan. I am going to talk to my attny again later but does anyone know if in general the 2nd loan would have the power to foreclose? I can't find anything that says they do in the loan document. Attny said no - but he did not look at our papers - just made a general assumption I guess-- but I have been reading otherwise and its making me nervous. I know this is maybe a complicated legal questions but just wondered if anyone has any experience. Is a line of credit with the house as collateral the same as a 2nd mortgage? We intend to pay this but just could not due to medical bills post filing. We plan to pick payments up agian next month. We can afford the loan - I just want to know how much power they have.