Less of a supercharge and more or less fake news...

Even though her credit report might not show the HELOC, the default could lead to financial strain or a decrease in the joint asset's value.In sum, while the wife may not have direct liability on the loan, her financial interests and credit situation could still be affected by her husband's actions regarding the HELOC.

I have seen them jump into action..

http://www.bloomberg.com/news/articles/2015-03-13/...If you take the $16.7B in UPB (Unpaid Principle Balance) and divide that by the 98,000 loans that comes to an average UPB of $170K.  

https://www.realtor.com/news/t...

It is actually the legal filing that there is a recorded foreclosure process that has already started, after the expiration of the letter that was sent informing of the lates and consequences of no action.* lis pendens is not just a note but a recorded cloud on title that there is pending litigation.

This is more about riding the wave of a growing market.2.Forced Appreciation: Actively increasing a property’s value through strategic actions like renovations, raising rents, or improving operations.

At this loan balance, good news is you do have options with DSCR loans. 

No foreclosure or court action required.3.You might also consider depending on where it is, no electrical or lighted signs if that might be a consideration to you. 

Lastly, take action, no one ever built wealth by planning to do something.