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Unless you have an unusual lease there would be ne benefit to get out because you would still have to make all the remaining payments as a lump sum. It's not like getting out of a cell phone contract. The only other option is if your current value is greater than the payoff (the total of the residual plus remaining payments).
Interesting on the mortgage...I didn't know there were variable rates like a home equity line. No matter, I would kill myself to refi at a low 5% rate ASAP.
I assume you pay your cc balance in full at the end of evry month and use your equity line for any short term borrowing needs. I would never use a credit card for credit!!
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Stangers have the best candy.
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