Here can be the issue: you can close out the line of credit but sometime it may adversely effect your credit.   Here it is something that may have to have both signatures: you and your brother.  I would contact the bank and see what they need.  If you are stuck on legalities consult an attorney as to what your options may be.  There are actions know as partition actions which technically divide the property between you in equal shares and you could bring up the debt in the same proceeding.  Generally, though. they result in the House being sold. Ask about an injunction as well. There are no easy answers here. Good luck.