I am negotiating a short sale with ETrade as the investor for a HELOC with a balance of $47,000, serviced by CLC.  The negotiator says ETrade is demanding $18,880, roughly 40% and the first has offered $4600, up from their original $3000.  I can't get ETrade to budge after months, and we have already lost one buyer and are about to lose a second.  Any advice on dealing with ETrade?  Please do not advise paying down the second 'off the HUD' or any other illegal practices.  Thank you!