Surrendering home - 2nd mortgage

[JustDo]

Quick facts,

Home Value 220,000

1st Mortgage - 165,000 (National City Mort)
2nd Mortgage - 163,000 (Citi Bank) HELOC

If I include the house in my BK, am I going to be on the hook for part or all of the Citi Bank HELOC?

Any help appreciated

[JustDo]

In live in California

[keepmine]

Just add Cit as a creditor just like NAtional City and you'll have no liability to either one.