No. of Recommendations: 1
You have another option. Please consider it.

Stop making any payments at all on any of your unsecured credit card debt.

Devote your available income/cash flow to keeping up the mortgage/HELOC payments so you don't lose your house.

DO NOT refi by taking out MORE debt secured by your house. Under no circumstances should you do this. Don't even consider it.

DO NOT file for bankruptcy protection unless and until you are actually faced with foreclosure/eviction from your home. (But try not to let things get to that point.)

You are effectively judgment proof. Your objective should be to stay in your home as long as possible. It should not be to pay off your unsecured credit card debt.
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