Michigan's laws for recourse/non-recourse and foreclosure are clear. However, it is unclear based on your one-sentence question whether you have a recourse or non-recourse loan. Therefore, I urge you to consult with an attorney licensed in Michigan who has experience in property law. Bring all of the loan-related documents you have to the consultation, especially the HELOC contract.
I realize my answer is unsatisfactory. However, I would rather provide a non-answer than guess and have a 50% chance of being wrong.
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