If you cannot pay your HELOC, the bank CAN foreclose on your home. See our blog posts on foreclosure, here: https://www.miamibankruptcy.net/blog/foreclosure
HELOC means Home Equity Line Of Credit, and it is basically the same as a mortgage. In exchange for the money borrowed, the homeowner gives the lender a mortgage lien. If the money is not repaid, the lender can foreclose and sell the home.