My reason for urgently needing a HELOC

[FUEGO]

I would not offer any cash, but I would be there to help pay the rent and pay for food or whatever is needed to help her with her daily living in the short term.

Don't delay facing the problem. It will cost everyone a lot of money.

Best of luck.

She has plenty of money to pay for housing, food, utilities etc. Just not enough to pay that and loan sharks charging 5-10% a month. No way would I further enable her habit by giving any $$ towards necessities, since that would just leave more money to pay the loan sharks. Some day she will have to tell the sharks she can't pay up and can't keep giving 5-10% a month, but that she has repaid them in full and then some with all the interest payments over these months. It is up to her. I'm just protecting my interests and other family members' interests as much as possible at this point.