Prior to these neighbors, the unit above was occupied, and we never experienced any problems.We’ve spoken to management multiple times, but they’ve been completely unhelpful and have taken no meaningful action and even told us that we are making the noise up, inspite security having been to our apartment numerous times wittnessing the noise. 

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.

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

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.  

I have seen them jump into action..

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.

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

You don't have that action here so are left as an outlier, way above appraised value.