Does the bank have to acknowledge a equity line when remodifying a loan?

My home was re modified by the bank in May 2010 after more than a year of being in foreclosure. I also had a home equity line and it was my understanding that the remod was to include this line since the bank owned both loans. I sent a cash amount in lieu of payment on the equity loan. More than 6 months have passed with no word from the bank, I received a call from a collection agency yesterday. I seems strange that the bank charged this off last November and was only notified by the collection agency this November nothing from the bank at all. I am strapped with my house payments and cannot afford the second and would not have agreed to the re modification if I was informed that this was the case. My question is do I have any recourse with the bank or do I have to file Bankruptcy? I feel like the bank should have addressed the equity line during the re modification process.