What to do with MY HELOC

[Leslie Richardson]

Primary resident has a HELOC, bank has frozen the HELCO Im paying it down, and I have never been behind on it, all bills paid on time, but debt of CC are maxed. Have almost 400k in equity dont really want to refi into more debt, paying down debt now on CC. Need to know if I should hold off on rolling in to a refi for FHA loan which will consolidate debt, but cut into my equity and put us into more debt. Please advise, open for suggestions.