Serious inquiry, can you get a small HELOC loan with very bad credit

Credit score is around 480 (used to be 790 for my whole life until about 2-3 years ago) So I have $130,000 left on my loan it's worth $235,000. I got complacent after I got my house as I bought it for $155,000 and never plan on moving as it's a five bedroom, great deal, good yard, great location. I make enough money stupidly enough not to care about credit (very idiotic). I average about $85-95,000 a year so money is not an issue to buy a car (usually).

Going to spare any details on what the money is towards but fixing my credit and going to negotiate deals where the debts are cut in half so that is my excuse with going with something high interest. High interest = maybe $3000 in interest over 3-5 years, but will be able to fix my credit with the settlements instead of it continuously going down.

Am going to verify the debt is able to be collected first before any of this.