If I continue to pay my home equity line of credit loan and leave an available balance that can be taken out if needed. Is it possible that that available balance can be frozen and if so can it be taken from me to pay other bills?

My bank account was frozen because of a estimated sales tax bill that I failed to file with the state because I was not making enough money to pay bills as it was. I am making car and home equity line of credit payments and feeding my kids. I owe credit cards and am considering bankrupty.

The bank can freeze the line so that it cannot be used if payments are not made. I had a recent incident with WaMu where my payment was lost. The payment was issued by another bank's bill paying service on time and I had proof of that. I called them as soon as I found out it had been lost. But they still charged me a late charge and froze my account until it was bought up to date. I closed that account and transferred it to another bank.

Also, I read recently that one creditor can actually attached unused balances of a HELOC to pay other bills.