Has anyone had experience in working with the WF Heloc department to escalate a file?  I have a short where the first is Wells and they are owed $236k,  The 2nd is the Heloc and they are owed $77k. The market value of the home is $270k so first refuses to short (FHA note).  The offer is $270k and 2nd is being offered a little over $12k now.   2nd had issued a $6k approval when I was pursuing a short on the first (2nd approved before first did) and that expired June 30, 2015. Then first came back and denied short due to appraisal of market value....escalated and to no avail.  So went back to 2nd (Heloc) and they countered back at full $77k! 2nd negotiator then quit and file started over somehow for the heloc in the wells' system. That was August. Now they had their appraiser out and it was finally uploaded as of last Wednesday, but no negotiator assigned still.  The attorney for the 2nd is in process of filing a judgment as of 10-5-2015, and I do not think that the Heloc file will be determined by then....based on past Wells performance.

Any recommendations on who the heloc can be escalated to?  If the attorney goes to judgment, the seller will declare bankruptcy to halt that process.  It would be a shame as she really has no money.  Husband died and she makes $1500/month.  The home has been vacant for 5 years and is in need of a lot of repair (tree fell on roof, etc).  Advice on escalating this?  Offer can close in 10 days...all cash for $270k.