Inherited HELOC- can I take money out??

[Scott R.]

I have inherited two HELOC's- one is owed $70K, the other $60K. I have extra cash. The plan is to pay off the majority of both BUT then later take it back out later when I need it. This saves me almost $900 a month- think of it as an investment paying 6% (they also take principal). Anyway, this is all for NOTHING if I can't take the money back out. Emory Alliance (sucks) has already deactivated the online account, so do I tell them my father has passed? My fear is they will either try to call in the loan (St. Germain protects me?) or they will allow me to make payments, but not take any money out. Any help would be SO appreciated.
Thanks!
Scott