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I would make a chart of monthly expenses. Then compare that with monthly earnings. Slash expenses until you can cover them AND take a bite out of the debt each month. You might even have to work more than you do now. Maybe that sucks, but remember you're dying of self-inflicted financial wounds and you may have to take some unpleasent medicine.
That's the way to actually address your problem. Taking out a HEL/HELOC is a way of avoiding the underlying problem. It will also convert your unsecured debt into secured debt. Then if you don't change your ways you will lose your home. Not a good thing.
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