At the same time, I am looking to increase cash flow as we have a good bit of frozen equity in our real estate holdings. 

@Devin Dull If you do nothing you should expect to become the defendant in a lawsuit for a constructive trust and have your account frozen, among other things.

Yes the attorney still did their job and 'protected' the assets, they are still protected, but they are now frozen.

If you’re not in a position to cover those payments (either through other income or with heloc proceeds themselves, set aside for reserves), then I would definitely not use your heloc for anything long-term.In all cases, but particularly if you’re going to rely upon the heloc as a source of reserves, beware that helocs can be frozen and sometimes called due immediately if the bank so chooses in an economic downturn (note that this may impact your cash reserve position if you plan to depend upon the heloc for reserves).

On top of that it's winter and everything will be frozen.

When I worked in Pasadena at a frozen yogurt shop, I made more than I am currently making as a hospital driver out here!

The tank company set up a temporary small tank to keep the house heated to avoid frozen pipe.

Some of the damage is done, however, there is still the issue of built-up pressure inside your frozen pipes along with the ice, The ice is making the space cramped in the pipes so pressurized water is trapped in there.

Too bad I was working while my wife filled out our application and gave then my social, employer, net income, etc. etc. etc.So now I have my identity monitored and credit frozen and a fraud alert out.

Those positions will essentially be frozen as you will now be competing on the worlds stage.