Next, via bi-weekly your never going to "miss" a payment.

Meaning any of your Helocs can be closed or reduced at any point if any of your banks feel you are over leveraged, miss a payment, credit score drops, even by mistake it happens all the time.I would get rid of the Helocs and put some cash in your bank so you can use that versus a Heloc. 

Hello, I own a property with someone else but they have been MIA, what can I do if we have papers to sign?

With all do respect, I think you are miss understanding what I was saying.

They spend their time at the beach, doing excursions or drinking or eating out.

Please advise if I have missed anything or anything else you believe is relevant. 

I missed that.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

Stop hanging out with your deadbeat buddies who spend all day drinking, talking sports, and otherwise wasting away.

I think a big missing piece from the puzzle is where are you at personally with your income.