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pnc bank heloc settlement

Submitted by nicholas123 on Tue, 04/17/2012 - 10:37
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Hi.. I have a quick question... I have a second mortgage with RBC bank which is bought out by PNC bank. I've been behind on my payment for more than 2 months now, the phone call from them is relentless.... My house was foreclosed by the first mortgage, which now I have no property any assets under my belt except for a car which probably cost 500 bucks max... I can no longer make a payments with PNC because I have a new born and my wife is no longer working.. Alone with my salaries I cannot afford it anymore... I was wondering about settling this debts with them before the hospital bills kick in which I might not be able to afford.. any help or tips is greatly appreciated.. I was wondering since I have no more property, will it be easy on my part to settle? because I heard that PNC is really tough on these settlement.. Thanks I owe 18200 by the way.