Your HELOC rates are 8.5%-12.5%? Your fico must be lower.

HELOC's should be cheap like 4% or less.

Their is only really two ways to get out of this debt.

1. Depending on how much it is you can simply default and try to settle it for less. Naturaly this has repercussions to your credit score and possible legal ones as well. But people do it all the time.

2. Write up a budget and pay it off, thats really the only solution. If you can work OT or get another part time job to throw more money at it even better.

Either way you should cut up all your CC's, just leave one for emergancys.

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1999 SL500
1969 280SE
2023 Ram 1500
2007 Tiara 3200